Funding and Investment Partners in Dumfries & Galloway

Working together in Dumfries & Galloway

Our Dumfries & Galloway coverage takes in 3 towns and cities, centred on Dumfries and including Annan and Stranraer. Next door, we also cover Ayrshire, Lanarkshire and Scottish Borders.

Around Dumfries & Galloway, we can talk to partners about forward-funded build to rent, land-led schemes with a housing partner and council land brought forward for homes. Because Dumfries & Galloway 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 Dumfries & Galloway and the right person will call you back.

Our approach in Dumfries & Galloway

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.

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.

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.

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.

The Scottish system, as it applies in Dumfries & Galloway

Planning obligations in Scotland are made under Section 75 of the Town and Country Planning (Scotland) Act 1997 and can cover affordable housing and infrastructure. Once registered against the title, they can bind future owners. Under NPF4, national and major developments must also leave biodiversity in a demonstrably better state. These costs shape what development land near Dumfries & Galloway is worth, which is why our free appraisal explains them before any offer or promotion terms are agreed.

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 Dumfries & Galloway
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 Dumfries & Galloway

Is anything on this site regulated investment advice?

No. Land to Homes does not give investment, financial, tax or legal advice, and nothing on this site is an offer, invitation or recommendation to invest. Funding discussions take place privately with lenders and professional parties, who rely on their own advisers and due diligence. If you are unsure about any investment, speak to an independent regulated adviser.

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.

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 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 we discuss a partnership in Dumfries & Galloway?

We are happy to talk about specific opportunities across Dumfries & Galloway, including Annan, Stranraer and Dumfries. Conversations are private and every arrangement is documented by each party’s own advisers. Nothing here is an invitation to invest.