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Evidence, not predictions

Practical notes on Section 106, planning constraints, viability, and development finance intelligence.

What Section 106 actually costs: per-dwelling obligations and indexation

Most S106 schedules state a per-dwelling rate, not a total. Understanding how rates multiply and index is the difference between a correct and dangerously wrong credit file.

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From Agreement to Credit File: What a Lender-Ready Section 106 Annex Should Contain

Most S106 PDFs are unreadable in a credit file. A lender-ready annex turns the agreement into structured obligations, triggers and indexation — with provenance.

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Why Planning Delays Happen: Constraint Combinations and the Amplification Effect

Single constraints rarely cause long delays. It's the interaction between designations — flood risk, ecology, heritage, policy layers — that amplifies consultation and negotiation time.

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CIL vs Section 106: What's Predictable, What Isn't (and What That Means for Land Pricing)

CIL is formulaic. Section 106 is negotiated. Understanding the difference is critical when appraising land and structuring development finance.

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AONB / National Landscape: What It Changes in Planning Evidence (and Time Friction)

AONB (now 'National Landscape') is not a label — it changes what must be evidenced, who is consulted, and what lenders should ask for before committing.

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