Funding and Investment Partners in Aberystwyth
Land to Homes brings forward land and new homes in Aberystwyth 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.
Aberystwyth · SY23Start a conversation
Tell us about your organisation or opportunity and we will call you back.
Prefer to talk? Call 0800 088 6248.
- 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 Aberystwyth
Aberystwyth sits about 51 miles north of Llanelli in Dyfed, in the SY23 postcode district. The nearest other places we cover are Llandrindod Wells (32 miles), Newtown (33 miles) and Pwllheli (36 miles).
Partnerships we can discuss around Aberystwyth include council land brought forward for homes, social rent homes and design and build for a registered provider. Planning in Aberystwyth follows Wales’s rules: Planning Policy Wales sets national policy and the council’s Local Development Plan sets local policy.
Tell us about the opportunity near Aberystwyth and the right person will call you back.
Our approach in Aberystwyth
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.
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.
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.
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.
Rules that apply in Aberystwyth
Selling land in Aberystwyth follows the same legal steps as in England: heads of terms, then exchange of contracts, which makes the deal binding, and completion. Titles are registered with HM Land Registry, but the buyer pays Land Transaction Tax to the Welsh Revenue Authority rather than Stamp Duty Land Tax. Planning obligations are usually secured through a Section 106 agreement, with the Community Infrastructure Levy charged only where the council has adopted it.
In Wales, Land Transaction Tax replaces Stamp Duty Land Tax, and security is registered at HM Land Registry. Appraisals must allow for Section 106 obligations, the Community Infrastructure Levy where adopted and approval of sustainable drainage by the SuDS approving body. The Development Bank of Wales, owned by the Welsh Government, offers property development lending among its services.
| In-principle consent | Outline planning permission, with reserved matters approved later |
|---|---|
| Land transaction tax (paid by the buyer) | Land Transaction Tax (LTT) |
| Land registration | HM Land Registry |
| How a sale becomes binding | As in England, a land sale becomes legally binding on exchange of contracts and finishes on completion, with the title registered at HM Land Registry. |
Your questions answered for Aberystwyth
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 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.
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.
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.
Do you work with partners on schemes in Aberystwyth?
Yes. We discuss schemes in Aberystwyth and elsewhere in Dyfed, including Carmarthen, Llanelli and Ammanford privately with professional partners. Nothing on this website is an offer or invitation to invest.
Read more: Funding and Investment Partners · Guide: Landowner joint ventures explained: sharing in the development