Funding and Investment Partners in Argyll & Bute
Land to Homes brings forward land and new homes in Argyll & Bute and across the UK, and some schemes need outside funding. That might be development debt from a lender, forward funding from an institutional partner, or a landowner keeping a stake through a joint venture. We discuss funding privately, and nothing here is an invitation to invest or regulated investment advice.
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- Private conversationsEvery arrangement documented
- Land to homesLand, planning and construction
- Housing partnersCouncils and housing associations
- No public offerNothing here is an offer to invest
- UK-wideEngland, Wales, Scotland and NI
Partnerships around Argyll & Bute
Our Argyll & Bute coverage takes in 4 towns and cities, centred on Helensburgh and including Dunoon, Campbeltown and Oban. Next door, we also cover Glasgow & the Clyde, Ayrshire and Lanarkshire.
Partnerships we can discuss around Argyll & Bute include forward-funded build to rent, mixed-tenure developments and Section 106 affordable homes. In Scotland, where Argyll & Bute sits, planning decisions are made by the council as planning authority (or a national park authority in its area).
If you are considering a partnership around Argyll & Bute, we are happy to talk privately.
Why work with Land to Homes in Argyll & Bute
Landowner co-investment
A landowner can keep an interest in their land through a joint venture rather than selling outright, with the terms set out in a written agreement.
Part of the S&K Group
Land to Homes is part of the S&K Group, a Birmingham-based construction and property group whose businesses include glazing, building supplies and property improvement.
Forward funding and purchase
For build to rent and affordable homes, we discuss forward funding and forward purchase structures with institutional and registered provider partners.
No money from the public
We do not take deposits, loans or investment from members of the public. Funding is discussed privately with lenders, institutions and landowners only.
How the rules work in Argyll & Bute
Scotland's Affordable Housing Supply Programme has a national target for new affordable homes, most of them for social rent. Councils and registered social landlords around Argyll & Bute deliver most of these, mainly as new build, with registered social landlords regulated by the Scottish Housing Regulator. Land to Homes can supply sites, design and construction to help partners deliver, whether on land we bring forward or land a partner already owns.
In Scotland, land transactions attract Land and Buildings Transaction Tax, and lenders take a standard security registered with Registers of Scotland rather than a legal charge. Contracts are concluded through missives, and planning obligations are secured by Section 75 agreements. Scottish property law differs from English law, so partners need Scottish legal advice.
| National planning policy | National Planning Framework 4 (NPF4), which forms part of the statutory development plan |
|---|---|
| Local planning document | Local Development Plan (LDP) |
| Who decides applications | The council as planning authority (or a national park authority in its area) |
| In-principle consent | Planning permission in principle (PPP), followed by approval of matters specified in conditions |
| Land transaction tax (paid by the buyer) | Land and Buildings Transaction Tax (LBTT) |
| Land registration | Registers of Scotland (Land Register of Scotland) |
| How a sale becomes binding | Land sales are concluded through missives, formal letters exchanged between solicitors that become a binding contract once concluded, followed by settlement on the date of entry and registration in the Land Register of Scotland. |
| Developer contributions | Section 75 planning obligations, with Section 69 agreements sometimes used for simple one-off payments |
Common questions in Argyll & Bute
Do public bodies fund housing development?
Public bodies support housing delivery in each nation, for example Homes England, the government's housing and regeneration agency in England, and the Development Bank of Wales, which offers property development lending. Grant for affordable housing usually goes to councils and registered providers rather than developers. We describe these bodies for context; each has its own criteria.
How can a landowner co-invest in a development?
Instead of selling outright, a landowner can put land into a joint venture with a developer, agreeing how costs, decisions and proceeds are shared. This can suit landowners who want a longer-term involvement. It carries more risk than a sale, so independent legal, tax and financial advice is essential before agreeing any terms.
What information do funding partners usually review?
Partners usually review the site title, the planning position, the scheme appraisal, the build programme, the construction approach, the plan for selling or letting the homes and the developer's background. Each carries out its own due diligence, often with valuers, monitoring surveyors and solicitors. We share site-specific information under confidentiality where appropriate.
What is forward funding?
Forward funding is where an investor, often an institution, buys a site and funds the construction of homes on it, taking ownership of the completed scheme. The developer builds the homes under a development agreement. It is used in build to rent and some affordable housing schemes. The legal and tax structure needs specialist advice for each party.
Can we discuss a partnership in Argyll & Bute?
We are happy to talk about specific opportunities across Argyll & Bute, including Helensburgh, Dunoon and Oban. Conversations are private and every arrangement is documented by each party’s own advisers. Nothing here is an invitation to invest.
Read more: Funding and Investment Partners · Guide: Landowner joint ventures explained: sharing in the development