Funding and Investment Partners in Croydon
If you lend to or invest in residential development and are interested in sites in Croydon, 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.
Croydon · CR0Start 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
Working together in Croydon
About 9 miles south of London, Croydon is part of our Greater London coverage, centred on postcode district CR0. The nearest other places we cover are South Croydon (1 mile), Wallington (3 miles) and Carshalton (3 miles). Croydon is in the London region of England.
Partnerships we can discuss around Croydon include land-led schemes with a housing partner, joint ventures with landowners and council land brought forward for homes. Planning in Croydon follows England’s rules: the National Planning Policy Framework sets national policy and the council’s Local Plan sets local policy.
If you are considering a partnership around Croydon, we are happy to talk privately.
Our approach in Croydon
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.
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.
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.
Equity partners
Institutional partners can discuss forward funding or forward purchase of specific schemes, agreed privately and documented by each party's own advisers.
Planning and land rules in Croydon
Selling development land in Croydon usually starts with heads of terms, a short written summary of price, conditions and fees, before solicitors draft the contract. In England the sale becomes binding on exchange of contracts and finishes on completion, with the title then registered at HM Land Registry. The buyer normally pays Stamp Duty Land Tax. On option and promotion agreements with Land to Homes, your reasonable legal fees are covered, with the amount agreed in the heads of terms.
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 Croydon: 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.
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.
Can we discuss a partnership in Croydon?
We are happy to talk about specific opportunities in Croydon and elsewhere in Greater London, including Islington, Stamford Hill and Ruislip. 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: Overage and clawback: how they work when you sell land