Funding and Investment Partners in Finchley
Land to Homes brings forward land and new homes in Finchley 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.
Finchley · N3Start 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 Finchley
Finchley sits about 7 miles north-west of London in Greater London, in the N3 postcode district. Close by, our coverage also takes in Muswell Hill, Cricklewood and Kilburn. Within England, Finchley falls in the London region.
Around Finchley, we can talk to partners about forward-funded build to rent, Section 106 affordable homes and joint ventures with landowners. Because Finchley is in England, land titles are registered with HM Land Registry and transfers attract Stamp Duty Land Tax (SDLT).
Tell us about the opportunity near Finchley and the right person will call you back.
How we work in Finchley
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.
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.
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.
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.
How the rules work in Finchley
In England, most planning applications for new homes in Finchley 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) |
|---|---|
| In-principle consent | Outline planning permission, with reserved matters approved later |
| Land transaction tax (paid by the buyer) | Stamp Duty Land Tax (SDLT) |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council charges it |
Your questions answered for Finchley
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.
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.
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.
Can we discuss a partnership in Finchley?
We are happy to talk about specific opportunities in Finchley and elsewhere in Greater London, including Mitcham, Carshalton and Chalk Farm. 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 is development land valued?