St Neots, Cambridgeshire

Commercial Mortgages & Property Finance in St Neots

St Neots is the largest town in Cambridgeshire by population and one of the fastest-growing in England, with extensive new housing at Love's Farm and Wintringham Park. Located on the East Coast Main Line and A1 corridor, the town bridges Cambridgeshire and Bedfordshire and offers strong commercial property demand from a rapidly expanding population base.

St Neots Town CentreEaton FordEynesburyLittle PaxtonLove's Farm
£210
Avg Price/sq ft
5.6%
Average Yield
+15.2%
5yr Price Growth
+11%
5yr Rental Growth

St Neots Local Market Intelligence

Fastest growing town in Cambridgeshire. Strong commuter links to Cambridge and London. Major residential development ongoing.

— CMB Market Analysis

Key Industries

  • Retail & Services
  • Professional Services
  • Logistics
  • Food & Drink
  • Construction

Transport Links

  • East Coast Main Line to King's Cross (45 mins)
  • A1 trunk road (adjacent)
  • A428 to Cambridge (16 miles)
  • Guided busway connection planned

Regeneration

Wintringham Park (2,800 homes); Love's Farm completion; St Neots Masterplan town centre renewal; Eaton Socon riverside regeneration; East-West Rail future connection

Commercial Mortgages in St Neots

Whether you're acquiring office space, retail units, or industrial property in St Neots, our commercial mortgage solutions provide long-term financing tailored to your investment strategy. We work with high street banks and specialist lenders to secure competitive rates across Cambridgeshire, with terms from 3 to 25 years and up to 75% LTV.

Our ex-banker team understands the St Neots commercial property market and has direct relationships with lender credit committees, meaning faster decisions and better terms for your deal.

  • Owner-occupied and investment commercial mortgages
  • Terms from 3 to 25 years with competitive fixed and variable rates
  • Up to 75% LTV on commercial property
  • Portfolio and multi-asset lending available

Commercial Mortgage Key Facts

Loan Size£50k - £25m+
Max LTV75%
Term3 - 25 years
Decision48 hours

Commercial Bridging Finance in St Neots

When speed matters for your St Neots property transaction, commercial bridging finance provides short-term funding to bridge the gap. Whether you're securing a time-sensitive acquisition, funding an auction purchase, or refinancing before a long-term facility is in place, we can arrange bridging loans from completion in as little as 7 days.

With access to specialist bridging lenders across Cambridgeshire, we structure deals that match your exit strategy and keep costs to a minimum.

  • Completion possible in 7-14 days for urgent transactions
  • Rates from 0.55% per month with no exit fees available
  • Up to 75% LTV on commercial and semi-commercial property
  • Auction finance, chain-break funding, and refurbishment bridges

Bridging Finance Key Facts

Loan Size£25k - £25m+
Max LTV75%
Term1 - 24 months
Speed7-14 days

Development Finance in St Neots

For developers building in St Neots, our development finance solutions fund ground-up construction, conversions, and major refurbishment projects. We arrange staged drawdown facilities aligned to your build programme, ensuring capital is available at each construction milestone.

From site acquisition to practical completion, we structure development loans that maximise your returns across Cambridgeshire. Our team assesses GDV, build costs, and local market conditions to present the strongest case to lenders.

  • Staged drawdowns aligned to construction milestones
  • Up to 90% of build costs and 70% of land value
  • Ground-up, conversion, and heavy refurbishment projects
  • Day-one land funding available for experienced developers

Development Finance Key Facts

Loan Size£150k - £50m+
Build CostUp to 90%
Term6 - 24 months
Land ValueUp to 70%

Your Local Expert

Matt Lenzie

Founder & Principal Broker

  • Ex-Lloyds Bank and Bank of Scotland
  • Board advisor to pension trustee with £3.9bn AUA
  • Direct lender relationships across Cambridgeshire

Why St Neots for Commercial Property Investment

Lender Appetite

Good appetite with growth trajectory.

Latest Commercial Property News in St Neots

Commercial property news for St Neots will appear here once available. Check back soon for the latest market updates.

Also Serving Across Cambridgeshire

We provide commercial mortgages, bridging finance, and development finance throughout Cambridgeshire.

Commercial Finance Across the UK

Calculate Your St Neots Property Finance

Use our interactive calculators to estimate costs for commercial mortgages, bridging finance, and development loans.