Funding and Investment Partners in Hawick
If you lend to or invest in residential development and are interested in sites in Hawick, 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.
Hawick · TD9Start 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 Hawick
Hawick (TD9) is one of the Scottish Borders towns we cover, about 13 miles south of Galashiels. The nearest other places we cover are Galashiels (13 miles), Kelso (18 miles) and Peebles (22 miles).
Around Hawick, we can talk to partners about forward-funded build to rent, social rent homes and council land brought forward for homes. As Hawick is in Scotland, applications are judged against National Planning Framework 4, and the buyer of land pays Land and Buildings Transaction Tax (LBTT).
To discuss a scheme near Hawick, call us or send a short note about the opportunity.
How we work in Hawick
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.
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.
Equity partners
Institutional partners can discuss forward funding or forward purchase of specific schemes, agreed privately and documented by each party's own advisers.
The Scottish system, as it applies in Hawick
For councils and housing associations planning homes in Hawick, Scottish delivery centres on the council's Strategic Housing Investment Plan, grant from the Affordable Housing Supply Programme and, on private sites, affordable housing secured through Section 75 agreements under NPF4 and the Local Development Plan. Land to Homes can bring forward land with or without planning, or build homes for transfer to a registered social landlord.
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 |
|---|---|
| Local planning document | Local Development Plan (LDP) |
| 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 Hawick
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.
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.
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.
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.
Do you work with partners on schemes in Hawick?
Yes. We discuss schemes in Hawick and elsewhere in Scottish Borders, including Peebles, Galashiels and Kelso privately with professional partners. Nothing on this website is an offer or invitation to invest.
Read more: Funding and Investment Partners · Guide: How affordable and social homes are delivered across the UK