Evidence, not predictions

Housing land supply, S106 affordable housing thresholds, and planning appeal trends — what moved development finance in England this week.

Development finance lenders are increasingly treating site welfare failures as loan impairment risk. Here's what fair pay, CDM compliance, and worker wellbeing mean for your funding application.

S106 sits in the viability appendix until it kills the deal. Here's how brokers read S106 obligations, spot the traps, and structure the credit case before the lender asks.

Residual valuation is the broker's daily gate — is this site worth a call? Here's how to run the numbers fast and what to do when they don't stack.

LTGDV is the first number a credit committee looks at. Here's what it means, how lenders use it, and how brokers build the case before the question is asked.

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.

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

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

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

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.