Funding and Investment Partners in Elgin
Land to Homes brings forward land and new homes in Elgin 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.
Elgin · IV30Start 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
Schemes around Elgin
Our Moray coverage is centred on Elgin, postcode district IV30, and reaches 2 other places. The nearest other places we cover are Forres (11 miles), Buckie (13 miles) and Inverness (36 miles).
Partnerships we can discuss around Elgin include Section 106 affordable homes, forward-funded build to rent and joint ventures with landowners. In Scotland, where Elgin sits, planning decisions are made by the council as planning authority (or a national park authority in its area).
Tell us about the opportunity near Elgin and the right person will call you back.
How we work in Elgin
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.
Equity partners
Institutional partners can discuss forward funding or forward purchase of specific schemes, agreed privately and documented by each party's own advisers.
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.
Rules that apply in Elgin
If you own land on the edge of Elgin, its prospects in Scotland depend largely on the Local Development Plan, which allocates sites for housing, and on NPF4 policies such as those on local living, infrastructure and quality homes. An option or promotion agreement lets a partner fund the planning case while you keep ownership until a sale. With Land to Homes, your reasonable legal fees on these agreements are covered, with the amount agreed in the heads of terms.
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.
| National planning policy | National Planning Framework 4 (NPF4), which forms part of the statutory development plan |
|---|---|
| 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) |
Your questions answered for Elgin
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 I invest in Land to Homes?
Nothing on this site is an offer or invitation to invest, and we do not take investment, loans or deposits from members of the public. We discuss funding privately with development lenders and institutional partners on specific schemes. If you are a professional party with an interest in residential development, you can contact us to start a conversation.
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.
Can we discuss a partnership in Elgin?
We are happy to talk about specific opportunities in Elgin and elsewhere in Moray, including Forres and Buckie. 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?