An experienced commercial mortgage broker for Cambridge and Greater Cambridge

Specialist, not generalist

Our team has been working in property and commercial banking since 2005, and we have stayed in the same lane ever since. Two decades of UK commercial finance, including senior corporate banking roles, sit behind every introduction we make. Most of that career was spent on the lender side, writing credit papers, sitting in committees, declining loans and approving them. That experience shapes how we structure and present every Cambridge commercial mortgage application now we work on the broker side. We know what credit committees need to see, what triggers a decline, and where there is genuine flexibility versus where there is not.

We broker commercial mortgages and only commercial mortgages. Owner-occupier, commercial investment, semi-commercial (the unregulated cases), portfolio refinance, trading-business, commercial remortgage, commercial bridging and second-charge commercial. We do not place residential mortgages, residential buy-to-let, regulated bridging, car finance, asset finance or unsecured business loans. Those are different markets with different lenders and different broker specialisms. We would rather be excellent at one product family than mediocre across six. If you call us about a residential remortgage, regulated semi-commercial, or anything else that would require FCA authorisation, we will refer you to a regulated firm that handles it properly.

Across the past decade we have arranged in excess of £250M of commercial mortgages. Facility sizes from £150K to £10M+, terms 5 to 25 years, and every mainstream sector: laboratory and life-sciences office investment, owner-occupier life-sciences operators, professional-services freehold, retail and leisure, healthcare and dental, hotels, pubs and restaurants, MOT and forecourt, day nursery, semi-commercial shop+flats (unregulated), mixed-use blocks and HMO portfolios. Our work focuses on Cambridge, Greater Cambridge and the life-sciences belt out to Granta Park, Babraham Research Campus and Histon. Cambridge Biomedical Campus, Cambridge Science Park, St John's Innovation Park, Cherry Hinton, Chesterton, Trumpington, Newnham, Cambridge North and the broader south Cambridgeshire villages all sit comfortably inside the same lender pool. See our case studies for representative recent placements.

We are not FCA-authorised because commercial mortgages on commercial property are an unregulated activity in the UK. They fall outside the Financial Conduct Authority’s regulated mortgage perimeter. Our consumer credit and regulated mortgage referrals are handled by FCA-authorised partners. That position is not unusual. Most commercial mortgage brokers operate the same way, because the products themselves are unregulated by definition. What it does mean: the underwriting discipline we apply to every deal comes from years on the credit side of the table, not from a regulated obligation. The standards a credit committee expects do not change because the product sits outside FCA scope.

Why a specialist Cambridge broker

The Cambridge commercial mortgage market has genuine regional nuance: Greater Cambridge Shared Planning (Cambridge City Council and South Cambridgeshire District Council operating jointly), Cambridge Biomedical Campus on Hills Road as the UK's largest life-sciences cluster anchored by Addenbrooke's and the AstraZeneca Discovery Centre, Cambridge Science Park at the top of Milton Road (Trinity College owned, the longest-established science park in the UK), Granta Park and Babraham Research Campus to the south, St John's Innovation Park at the CB4 fringe, the King's Parade to Sidney Street retail spine, the Mill Road independent F&B and HMO market, and the Newmarket Road hotel and trade cluster. The eight lenders we name and show logos for are Shawbrook, InterBay Commercial, LendInvest, Cynergy Bank, Lloyds, NatWest, Barclays and Santander, each with confirmed permission to display marks. Behind those sit another eighty lender relationships including Cambridge & Counties Bank (the Cambridge-headquartered challenger with a defensible East Anglia commercial book and a team we work with directly), Allica Bank, HTB, Aldermore, Together, Paragon Bank, OakNorth, Hampshire Trust Bank, YBS Commercial, Handelsbanken, Octopus Real Estate and ASK Partners on the larger life-sciences investment lots, plus the long tail of specialist commercial mortgage desks. National brokers tend to default to whichever desk paid the broker conference fee that quarter. We default to whichever desk will fund your deal cleanest, and we will tell you which one that is on the first call.

For a working read on the wider Cambridge commercial property landscape, see our 2026 Cambridge commercial property market piece.