Funding and Investment Partners in Lower Earley
If you lend to or invest in residential development and are interested in sites in Lower Earley, Land to Homes is open to a conversation. We discuss funding with development lenders, institutional partners and landowners considering a joint venture. Any arrangement is agreed privately, with each party taking its own legal, tax and financial advice. This page is not an offer.
Lower Earley · RG6Start a conversation
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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 Lower Earley
In Berkshire, Lower Earley lies about 3 miles south-east of Reading; its central postcode district is RG6. The nearest other places we cover are Reading (3 miles), Wokingham (4 miles) and Crowthorne (7 miles). Lower Earley is in the South East region of England.
Partnerships we can discuss around Lower Earley include joint ventures with landowners, social rent homes and land-led schemes with a housing partner. In England, where Lower Earley sits, planning decisions are made by the local planning authority, usually the district, borough, city or unitary council (or a national park authority).
If you are considering a partnership around Lower Earley, we are happy to talk privately.
What you get in Lower Earley
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.
Equity partners
Institutional partners can discuss forward funding or forward purchase of specific schemes, agreed privately and documented by each party's own advisers.
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.
Advice from your own advisers
We do not give legal, tax or financial advice. Every party should take independent advice before entering into any agreement with us.
Planning in Lower Earley: the English rules
In England, most planning applications for new homes in Lower Earley are decided by the local planning authority, usually the council, using its Local Plan and the National Planning Policy Framework. Many landowners sell without planning, either outright or through an option or promotion agreement that funds the application first. Land to Homes offers a free site appraisal, pays your reasonable legal fees on option and promotion agreements, and can buy suitable sites directly, subject to survey, title and contract.
In England, land purchases usually attract Stamp Duty Land Tax, and lenders take a legal charge registered at HM Land Registry. Scheme appraisals must allow for Section 106 obligations, the Community Infrastructure Levy where charged, and biodiversity net gain. Homes England is the government's housing and regeneration agency and runs public funding programmes for housing.
| Who decides applications | The local planning authority, usually the district, borough, city or unitary council (or a national park authority) |
|---|---|
| Land registration | HM Land Registry |
| How a sale becomes binding | A land sale becomes legally binding on exchange of contracts and finishes on completion, after which the buyer registers the title with HM Land Registry. |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council charges it |
Funding and Investment Partners in Lower Earley: questions
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 types of funding do residential developments use?
Typically a mix of senior development debt, sometimes mezzanine debt, and equity from the developer and its partners. Build to rent and affordable homes may use forward funding or forward purchase by an institution or registered provider. Landowners can also contribute land through a joint venture. The right structure depends on the scheme, and each party takes independent advice.
How is forward purchase different from forward funding?
With forward funding, the investor pays for the land and construction as the scheme is built. With forward purchase, the investor commits to buy the completed homes, but the developer arranges construction finance in the meantime. The choice affects risk, cost and timing for both parties, so each takes its own advice before agreeing 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.
Can we discuss a partnership in Lower Earley?
We are happy to talk about specific opportunities in Lower Earley and elsewhere in Berkshire, including Maidenhead, Wokingham and Reading. 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: How to sell land for development