Funding and Investment Partners in Galashiels
Funding partners in Galashiels are the lenders, institutional partners and landowners who provide the capital to buy land and build new homes. Land to Homes talks to development lenders and professional partners about specific sites and structures. Nothing on this site is an offer or invitation to invest, and we do not take deposits or money from the public.
Galashiels · TD1Start 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
Partnerships around Galashiels
Galashiels (TD1) is the hub of our Scottish Borders coverage, with 3 further towns covered. Hawick is the closest neighbouring place we cover, at about 13 miles, followed by Kelso and Peebles.
Partnerships we can discuss around Galashiels include social rent homes, joint ventures with landowners and design and build for a registered provider. Planning in Galashiels follows Scotland’s rules: National Planning Framework 4 sets national policy and the council’s Local Development Plan sets local policy.
To discuss a scheme near Galashiels, call us or send a short note about the opportunity.
What you get in Galashiels
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.
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.
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.
How the rules work in Galashiels
Scottish land deals differ from the rest of the UK in a few ways: contracts are concluded by missives, consent in principle is called planning permission in principle, and developer contributions use Section 75 agreements. Land to Homes works within those rules around Galashiels, whether buying a suitable site directly with no onward chain, subject to survey, title and contract, or promoting it through planning with nothing to pay upfront. Planning permission is never guaranteed, so we explain the risks plainly.
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) |
| Developer contributions | Section 75 planning obligations, with Section 69 agreements sometimes used for simple one-off payments |
Common questions in Galashiels
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.
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.
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 Galashiels?
Yes. We discuss schemes in Galashiels and elsewhere in Scottish Borders, including Peebles, Kelso and Hawick privately with professional partners. Nothing on this website is an offer or invitation to invest.
Read more: Funding and Investment Partners · Guide: Buying a new-build home: what to expect from reservation to keys