Funding and Investment Partners in Carmarthen
Land to Homes brings forward land and new homes in Carmarthen 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.
Carmarthen · SA31Start 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
Schemes around Carmarthen
In Dyfed, Carmarthen lies about 14 miles north-west of Llanelli; its central postcode district is SA31. Nearby, we also cover Llanelli, Ammanford and Gorseinon, all within 17 miles.
Partnerships we can discuss around Carmarthen include forward-funded build to rent, mixed-tenure developments and design and build for a registered provider. Because Carmarthen is in Wales, land titles are registered with HM Land Registry and transfers attract Land Transaction Tax (LTT).
To discuss a scheme near Carmarthen, call us or send a short note about the opportunity.
What you get in Carmarthen
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.
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.
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.
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.
The Welsh system, as it applies in Carmarthen
In Wales, planning applications for new homes in Carmarthen are decided by the local planning authority, usually the county or county borough council, using its Local Development Plan, Planning Policy Wales and Future Wales: the National Plan 2040. Landowners can sell outright or through an option or promotion agreement in which the planning work is funded for them and recovered only from a sale with planning. Land to Homes offers a free site appraisal and covers your reasonable legal fees on option and promotion agreements.
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.
| National planning policy | Planning Policy Wales (Edition 12) and Future Wales: the National Plan 2040, supported by Technical Advice Notes |
|---|---|
| Local planning document | Local Development Plan (LDP) |
| In-principle consent | Outline planning permission, with reserved matters approved later |
| 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. |
Funding and Investment Partners in Carmarthen: questions
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 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.
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.
Do you work with partners on schemes in Carmarthen?
Yes. We discuss schemes in Carmarthen and elsewhere in Dyfed, including Aberystwyth, Ammanford and Haverfordwest privately with professional partners. Nothing on this website is an offer or invitation to invest.
Read more: Funding and Investment Partners · Guide: Option agreement or promotion agreement: what is the difference?