Funding and Investment Partners in Cardiff
If you lend to or invest in residential development and are interested in sites in Cardiff, 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.
Cardiff · CF5Start 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
Schemes around Cardiff
Cardiff is the main town we cover in South Glamorgan, centred on postcode district CF5. The nearest other places we cover are Penarth (3 miles), Caerphilly (7 miles) and Barry (7 miles).
Typical partnership structures for Cardiff: council land brought forward for homes, land-led schemes with a housing partner and forward-funded build to rent. In Wales, where Cardiff sits, planning decisions are made by the local planning authority, usually the county or county borough council (or a national park authority).
If you are considering a partnership around Cardiff, we are happy to talk privately.
What you get in Cardiff
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.
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.
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.
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.
Planning in Cardiff: the Welsh rules
Social Housing Grant funds councils and registered social landlords to buy land, build new homes and convert existing buildings across Wales, including around Cardiff. It can support social rent, intermediate rent and shared ownership. On private schemes, the council's Local Development Plan sets the affordable housing requirement, which is secured through a Section 106 agreement. Land to Homes can offer sites, design and construction to housing association partners.
In Wales, Land Transaction Tax replaces Stamp Duty Land Tax, and security is registered at HM Land Registry. Appraisals must allow for Section 106 obligations, the Community Infrastructure Levy where adopted and approval of sustainable drainage by the SuDS approving body. The Development Bank of Wales, owned by the Welsh Government, offers property development lending among its services.
| Who decides applications | The local planning authority, usually the county or county borough council (or a national park authority) |
|---|---|
| In-principle consent | Outline planning permission, with reserved matters approved later |
| How a sale becomes binding | As in England, a land sale becomes legally binding on exchange of contracts and finishes on completion, with the title registered at HM Land Registry. |
| Developer contributions | Section 106 planning obligations, plus the Community Infrastructure Levy (CIL) where the council has adopted it |
Questions about Funding and Investment Partners in Cardiff
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 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.
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.
Do you work with partners on schemes in Cardiff?
Yes. We discuss schemes in Cardiff and elsewhere in South Glamorgan, including Penarth and Barry 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