The growing importance of contingency in construction lending
Construction contingency has become an increasingly important component of development finance. Rising build costs, labour shortages, and supply chain pressures have all contributed to a more cautious approach from both developers and lenders. In today’s market, projects with insufficient contingency can
Why planning delays are reshaping development finance
Planning delays continue to present one of the biggest challenges facing residential developers across England. Extended determination periods, resource constraints within local authorities, and evolving regulatory requirements are all contributing to slower project timelines. For developers, delayed planning decisions can create
How interest rates are influencing developer behaviour
Interest rates have become one of the defining influences on the UK development market in recent years. Higher borrowing costs have impacted land values, construction viability, and buyer affordability, leading many developers to reassess acquisition and delivery strategies. In response, developers
The continued undersupply of housing across England
Despite economic uncertainty and changing market conditions, the UK continues to face a significant structural housing shortage. Demand for quality homes continues to outpace supply across many parts of England, particularly in London, the South East, and key regional cities. Population
The rise of build-to-rent in regional cities
Build-to-rent continues to gain momentum across the UK, particularly within major regional cities such as Manchester, Birmingham, and Leeds. Strong rental demand, changing lifestyle preferences, and affordability pressures within the sales market are all contributing to the sector’s growth. Institutional investors