Funding and Investment Partners in Kelso

Schemes around Kelso

We cover Kelso as part of Scottish Borders. It is about 15 miles east of Galashiels, around postcode district TD5. Nearby, we also cover Galashiels, Hawick and Peebles, all within 30 miles.

Typical partnership structures for Kelso: joint ventures with landowners, land-led schemes with a housing partner and design and build for a registered provider. Planning in Kelso follows Scotland’s rules: National Planning Framework 4 sets national policy and the council’s Local Development Plan sets local policy.

If you are considering a partnership around Kelso, we are happy to talk privately.

How we work in Kelso

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.

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.

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 Kelso

Planning obligations in Scotland are made under Section 75 of the Town and Country Planning (Scotland) Act 1997 and can cover affordable housing and infrastructure. Once registered against the title, they can bind future owners. Under NPF4, national and major developments must also leave biodiversity in a demonstrably better state. These costs shape what development land near Kelso is worth, which is why our free appraisal explains them before any offer or promotion terms are agreed.

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.

Key rules in Kelso
National planning policy	National Planning Framework 4 (NPF4), which forms part of the statutory development plan
Local planning document	Local Development Plan (LDP)
In-principle consent	Planning permission in principle (PPP), followed by approval of matters specified in conditions
How a sale becomes binding	Land sales are concluded through missives, formal letters exchanged between solicitors that become a binding contract once concluded, followed by settlement on the date of entry and registration in the Land Register of Scotland.

Your questions answered for Kelso

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.

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.

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.

Do you work with partners on schemes in Kelso?

Yes. We discuss schemes in Kelso and elsewhere in Scottish Borders, including Peebles, Hawick and Galashiels privately with professional partners. Nothing on this website is an offer or invitation to invest.