Funding and Investment Partners in Witney

Partnerships around Witney

About 10 miles west of Oxford, Witney is part of our Oxfordshire coverage, centred on postcode district OX28. The nearest other places we cover are Oxford (10 miles), Abingdon (12 miles) and Didcot (16 miles). Within England, Witney falls in the South East region. Our head office in Great Barr, Birmingham, is about 57 miles away.

Around Witney, we can talk to partners about Section 106 affordable homes, mixed-tenure developments and land-led schemes with a housing partner. Planning in Witney follows England’s rules: the National Planning Policy Framework sets national policy and the council’s Local Plan sets local policy.

Tell us about the opportunity near Witney and the right person will call you back.

How we work in Witney

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.

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.

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.

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.

How the rules work in Witney

Whether a field or large garden could take homes depends mostly on the council's Local Plan and national policy. Under the National Planning Policy Framework, plans define settlement boundaries, and land just outside Witney may still come forward if it is allocated, previously developed or meets evidenced unmet housing need. Smaller housing schemes can also use Permission in Principle, an England-only route that settles location, use and amount first. Our free appraisal explains which route suits your land.

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.

Key rules in Witney
National planning policy	National Planning Policy Framework (NPPF), revised August 2026, with national planning practice guidance
In-principle consent	Outline planning permission, with reserved matters approved later
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

Your questions answered for Witney

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.

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.

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.

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.

Can we discuss a partnership in Witney?

We are happy to talk about specific opportunities in Witney and elsewhere in Oxfordshire, including Abingdon, Banbury and Oxford. Conversations are private and every arrangement is documented by each party’s own advisers. Nothing here is an invitation to invest.