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A live credit read on a UK development site

See how planning risk translates into funding decisions — built for development finance brokers and bridging lenders.

Meadow View, West Devon · 12 units · Planning granted · Live evidence snapshot

Example site summary

Meadow View

West Devon Borough Council

Planning permission

Granted

Constraints

2 flagged

Section 106 exposure

£142,500

Signal: S106 obligation of £142,500 triggered at planning — 12.4% of build cost.

Interpretation: Affordable housing commuted sum at the upper end for a scheme this size in West Devon.

Credit implication: Direct reduction to net proceeds — lenders will stress this against GDV before sizing the loan.

Planning costs

£52,188

Market evidence

£3,420 / sqm median nearby sales

Principle risk

AMBER

Signal: Principle risk rated AMBER — system confidence flag active on this output.

Interpretation: Policy signals in this LPA are mixed; officer support does not guarantee committee approval.

Credit implication: Consent timeline is uncertain — stress a 6-month delay on any drawn loan before committing.

Deal recommendation

Reduce target units by 2 → projected +2.1% IRR. S106 exposure is the dominant cost drag.

Signal: Comparable refusal: green belt application refused against officer advice · 8km · 2024 · tagged: policy conflict.

Interpretation: Inspector pattern suggests the LPA is hardening on density at the settlement edge.

Credit implication: Precedent increases consent risk on this scheme — factor into drawn-down timing and exit assumptions.

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