Funding and Investment Partners in Ayrshire

Schemes around Ayrshire

We cover 3 places across Ayrshire: Kilmarnock is the main one, alongside Ayr and Irvine. Neighbouring areas we also cover include Glasgow & the Clyde, Lanarkshire and Argyll & Bute.

Partnerships we can discuss around Ayrshire include forward-funded build to rent, joint ventures with landowners and mixed-tenure developments. Because Ayrshire is in Scotland, land titles are registered with Registers of Scotland (Land Register of Scotland) and transfers attract Land and Buildings Transaction Tax (LBTT).

Tell us about the opportunity near Ayrshire and the right person will call you back.

What we offer in Ayrshire

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.

Not an offer to invest

Nothing on this site is an offer or invitation to invest, and nothing here is regulated investment advice, a recommendation or a solicitation.

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.

Development lenders

We discuss senior and mezzanine development finance with lenders on a site-by-site basis, with security and terms agreed through each party's solicitors.

The Scottish system, as it applies in Ayrshire

For councils and housing associations planning homes in Ayrshire, Scottish delivery centres on the council's Strategic Housing Investment Plan, grant from the Affordable Housing Supply Programme and, on private sites, affordable housing secured through Section 75 agreements under NPF4 and the Local Development Plan. Land to Homes can bring forward land with or without planning, or build homes for transfer to a registered social landlord.

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.

Key rules in Ayrshire
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

Questions about Funding and Investment Partners in Ayrshire

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.

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.

Can I invest in Land to Homes?

Nothing on this site is an offer or invitation to invest, and we do not take investment, loans or deposits from members of the public. We discuss funding privately with development lenders and institutional partners on specific schemes. If you are a professional party with an interest in residential development, you can contact us to start a conversation.

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.

Can we discuss a partnership in Ayrshire?

We are happy to talk about specific opportunities across Ayrshire, including Irvine, Kilmarnock and Ayr. Conversations are private and every arrangement is documented by each party’s own advisers. Nothing here is an invitation to invest.