Evidence, not predictions — practical notes on Section 106, constraints and delay exposure.
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.