Mortgage Adviser in Cambridge, Cambridgeshire | Finding the Right Mortgage Broker in Cambridge.  Cambridge is one of the UK’s most prestigious and economically resilient cities. Known worldwide for the University of Cambridge, cutting-edge research, and a thriving technology and life sciences sector, the city attracts professionals, families, academics, and investors from across the UK and overseas. Its historic centre, green spaces, and strong employment base continue to support long-term housing demand.

The Cambridge property market has remained robust through 2025. Average house prices in Cambridge sit at around £525,000, significantly above the national average, reflecting sustained demand and limited supply. While price growth has moderated compared with previous years, demand remains strong for well-located homes, particularly in central areas and popular villages on the city fringe.

Cambridge offers a broad mix of property types, from historic terraces and Victorian villas to modern apartments, family homes, and new developments in growth areas such as the north and south of the city. This variety means mortgage requirements can vary significantly by location, property type, and buyer profile.

Whether you are a first-time buyer, home mover, remortgager, or investor, working with an experienced mortgage broker in Cambridge can help you navigate lender criteria in a competitive market.

Meet Niki Phillips – Mortgage Adviser in Cambridge

Niki Phillips is an experienced mortgage adviser in Cambridge, providing whole-of-market advice tailored to local property values and current UK lending criteria. She understands how Cambridge’s high price points, diverse employment base, and mix of property types affect mortgage affordability and lender choice.

Niki supports a wide range of clients, including professionals working in science and technology, university staff, self-employed clients, growing families, and landlords.

Niki can help with:

• First-time landlord mortgages in Cambridge
• Home mover and remortgage advice, including equity reviews
• Buy-to-let and HMO mortgages
• Limited company and portfolio landlord mortgages
• Bridging finance and short-term funding solutions
• General insurance to help safeguard your home and income

Niki provides clear, practical guidance throughout the process. She assesses affordability using up-to-date lender criteria, explains your options in plain English, and manages communication with lenders, estate agents, and solicitors to keep your application moving.

 Available through the Connect Expert Directory

Exploring Cambridge: Key Property Areas

Cambridge and the surrounding villages offer a wide range of neighbourhoods, each with different price points, property styles, and mortgage considerations.

Chesterton and North Cambridge: Property Snapshot

Chesterton and North Cambridge have seen significant investment in recent years, including new residential developments and improved transport links. The area offers a mix of traditional terraces, ex-local authority homes, and modern apartments, with better value than the city centre.

It is popular with First-time landlords, professionals, and investors seeking access to the Science Park and Cambridge North station.

Mortgage tips for Chesterton

• First-time landlords may find more achievable price points and lower deposit requirements compared with central Cambridge
• Professionals working in tech and science may benefit from lenders that take bonuses and share options into account
• Buy-to-let investors should focus on properties near transport links and employment hubs to support rental demand

Cambridge City Centre and Newnham: Property Snapshot

The city centre and Newnham are among the most sought-after areas in Cambridge. Properties include historic terraces, period homes, and apartments close to the university, colleges, and green spaces such as the Backs and Grantchester Meadows.

Prices in these areas are typically higher, driven by limited supply and strong demand from academics, professionals, and international buyers.

Mortgage tips for City Centre and Newnham

• Home movers often require larger loan sizes, making a detailed affordability assessment essential
• High earners with complex income structures may benefit from specialist lender options
• Remortgaging can allow long-term owners to access lower loan-to-value bands and potentially better rates

Trumpington and South Cambridge: Property Snapshot

Trumpington and the southern edge of Cambridge have expanded significantly, with new developments linked to Addenbrooke’s Hospital, the Biomedical Campus, and improved transport routes. Housing includes modern family homes, apartments, and shared ownership schemes.

These areas are popular with healthcare professionals, families, and first-time buyers.

Mortgage tips for Trumpington

• New build properties may require specific lender criteria and deposit levels
• Fixed-rate mortgages can provide payment stability for growing families
• Shared ownership buyers should ensure lenders are experienced with local schemes

Cherry Hinton and East Cambridge: Property Snapshot

Cherry Hinton and the surrounding areas offer a mix of traditional houses and family-friendly streets, with good access to local schools, green spaces, and road links out of the city. Demand remains strong from families and long-term owner-occupiers.

Mortgage tips for Cherry Hinton

• Longer fixed-rate deals can suit families planning to stay put
• Remortgagers may be able to release equity for home improvements
• Buyers should factor in school catchment demand when assessing long-term value

Cambridge Property Market Insights

In 2025, Cambridge remains one of the most resilient housing markets in the UK.

Key characteristics include:

• Average property values are around £525,000
• Consistent demand from professionals, academics, and international buyers
• Strong employment driven by technology, science, and education sectors
• Limited housing supply supporting long-term price stability
• Reliable rental demand, particularly for well-located homes

For buyers, this means competition for desirable properties remains strong. Having a mortgage agreement in principle can strengthen your position when making an offer.

Living in Cambridge: Local Highlights and Amenities

Transport Links

Cambridge benefits from strong transport connections for commuters and investors.

• Direct rail services to London King’s Cross and London Liverpool Street
• Cambridge North station serves the Science Park and sthe urrounding areas
• The M11 provides road access to London and the M25
• Extensive cycle infrastructure supporting sustainable travel

Mortgage insight: Good transport links support property values and rental demand, which lenders consider when assessing mortgage applications.

Education and Employment

Cambridge is globally recognised for education and research.

• The University of Cambridge and its colleges
• Major employers in technology, pharmaceuticals, and life sciences
• Strong links between academia and industry supporting long term employment

Mortgage insight: Stable employment sectors help underpin long-term housing demand and lender confidence.

Green Spaces and Lifestyle

Despite its economic strength, Cambridge offers an excellent quality of life.

• Green spaces such as Parker’s Piece, Jesus Green, and Midsummer Common
• Access to riverside walks along the River Cam
• A vibrant cultural scene with museums, theatres, and independent dining

Mortgage insight: Homes close to green spaces and amenities often retain value well, supporting long-term borrowing security.

Ready to Secure Your Mortgage in Cambridge?

Whether you are:

• Buying your first  investment in Cambridge
• Moving to a larger family property
• Remortgaging to review your current deal
• Investing in buy-to-let or limited company property
• Relocating to Cambridge for work or lifestyle reasons

Niki Phillips is ready to help. With detailed local knowledge, access to a wide range of lenders, and a clear, supportive approach, Niki can guide you through every stage of your Cambridge mortgage journey.

Speak with Niki Phillips today for a no obligation mortgage consultation and tailored advice for your next move in Cambridge, Cambridgeshire.

Niki Phillips