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Manish Kataria and Adam Lawrence join me once again for our quarterly investment mastermind where we discuss what we are investing in on the Financial Markets and why.
If you have not listened to one of these episodes before the idea is we each pick a stock, Bond, ETF or investment that most people have the ability to buy and explain why we think it is a good pick. We then open it up for critique from the others. We should point out that although we do invest in these, this is in no way Financial Advice.
We also discuss the wider markets and the factors that may affect future earnings.
For this quarter Manish chose BLOK an ETF that invests in Transformational Data Sharing Technologies https://finance.yahoo.com/quote/BLOK/?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referrer_sig=AQAAAKfCtRCxJAg5gC4MeXtZFtEjw4297ANcxQoWndKd_TyUQLKIgfWgDZMvF3xwlpjtvr-Y-kvgFf25Mf4WTNx_mZNVSA-T8-XWVZg6KdAOR1K_qF74GJmJvi6DpHhhMR-CNzoVDH_A4XIwg0u-ND-JYtlAn6ichUJr527R_uDYHZIp
Rod chose Ranmore Global Equity Fund, an actively managed Value fund. https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=F00000J58Q
Adam chose WISE, a fintech company focused on Global money transfers https://www.google.com/search?q=wise+stock+price&oq=wise+stock&aqs=chrome.1.69i57j0i131i433i512j0i512l4j69i60j69i61.4827j0j4&sourceid=chrome&ie=UTF-8
I would really appreciate it if you like, follow and leave us a review wherever you listen or watch the podcast.
Enjoy
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I am joined by Ryan Etchells the Chief Commercial Officer at Together https://togethermoney.com/
Ryan describes his role as CCO being between the raw products (in this case pound notes) and the sales team.
This is a cracking episode that has so much information for any investor wanting to understand the specialist mortgage market better, including;
The mortgage market review.
Production costs of credit vs costs of risks.
How the way the UK lives and works determines the demand of products.
How the specialist mortgage market has changed over the years.
How the low base rate decade affected the mortgage market.
The shift in types of property investors over the years.
Changes in Demand for Buy to let property.
Credit lines for lenders vs SWAP rates.
Examples of why the ability to Hedge a loanbook can change mortgage product pricing.
Historical spreads between high street lenders and specialist mortgage products.
How lender price specialist mortgages.
Why savings rates have lagged lending rates.
How banking regulation has built resilience in the UK.
Mortgage product and application fees vs interest rates.
Managing customers expectations when base rates double.
Differences in the housing market compared with other period when rates increased.
The need to unlock SME Housebuilders.
Market responses to politics and of course their Residential Market report which can be found here https://togethermoney.com/residential-property-market-report-2024?utm_medium=referral&utm_source=general&utm_campaign=resi2024&utm_content=div_groupaud_direct041024campaignutm15
If you are interested in our Property Business Workshop on the 16th January in London please check out the details here https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877
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This episode is a thorough review of the UK residential property Market.
We use a lot of graphs and charts so it may be better for you to watch on our youtube channel here https://www.youtube.com/@rodcastITP
We show and analyse data on
Rents
Affordability
Regional differences
Room Rates
House Prices
Factors affecting House prices
First time buyer data
Wage growth
Household data
Inflation
Lending markets
Labour Markets
If you would like more information on the Property Business Workshop mentioned in the episode please click on this link for more info. https://www.tickettailor.com/events/boardroomclubconsultingltd/1433877
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I am joined by Adam Lawrence and Manish Kataria again for our quarterly investment mastermind, where we discuss what we are investing our ISA's and Pensions into and why.
This is not investment advice!
We give our thoughts on the investment environment including the economy, productivity and the stockmarket.
As always we each have 1 pick of a stock, ETF, Bond, REIT or other financial product that would be available to most everyday investors. We give our reasons for the pick and then open up the floor to the others to critique our choices.
Adam chose 30 year UK GILT
Rod chose Liberty Media Corp Series C (LSXMK) https://finance.yahoo.com/quote/LSXMK/ A media stock listed on Nasdaq which is involved in some M&A action.
Manish chose HSBC FTSE EPRA NAREIT Developed UCITS ETF (HPRS.L) https://finance.yahoo.com/quote/HPRS.L/ A Global REIT ETF
Don't forget you can now watch all our episodes on YouTube https://www.youtube.com/@rodcastITP please give us a follow there.
Do you want to know how to negotiate better with sellers, understand what is involved in exiting a business as well as working out what your exit should look like? Or maybe even just trying to understand which professionals you should look for and what to ask them whether that is estate planning, selling a business or even structuring a deal. Our latest workshop taking place in London on 1st October 2024 goes through all of this. Check it out here https://www.tickettailor.com/events/boardroomclubconsultingltd/1333219
As always thats to our sponsors who make this episode possible
www.978finance.com - Get in touch with them about financing your next deal.
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Pieter Zitman has spent 37 years in the construction industry with the last 2 decades focusing on Affordable Housing.
His developments have achieved 4 RIBA awards, 5 Evening Standard awards, The RICS award and The Royal Fine Arts Commission Trust Award. So when he suggested we discuss some of the ways that more housing can be built I jumped at the chance!
In this episode we discuss;
Pieter's background and how he came to specialise in Affordable Housing.
What Affordable Housing is defined as.
What the main Problems with Housing in the UK are.
What is stopping more affordable housing being developed in the UK.
Thoughts on recent news that Section 106 transactions are dwindling. Why and what can be done.
How the government can motivate more SME's to develop Affordable Housing.
Traps that Developers should consider when it comes to developing affordable housing.
The changes to Affordable Housing over the years.
How the planning system is playing a part in the development of Affordable Housing and what changes could be made.
And Lots more.
If you enjoy this episode or any of our other 100 + previous episodes please be sure to leave us a review where ever you listen to your podcasts. It really helps us to continue to attract more fantastic guests. Thanks in advance.
Don't forget we are also now on You Tube https://www.youtube.com/@rodcastITP please give us a follow.
As ever thanks to our sponsors www.978finance.com (Contact them for finance on your next deal) and www.konnexsion.com (contact them for fantastic property management software)
Don't forget that myself and Adam Lawrence will be hosting our next Property Business Workshop (for Property Business Owners and portfolio holders) on 1st October in London. You can see more information and tickets here https://www.tickettailor.com/events/boardroomclubconsultingltd/1333219
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In this episode I was joined by Toby Wilde the Founder of Oparo www.oparo.co.uk to discuss what has become the "Wild West" industry of Supported Living.
We discuss;
Toby's background in property development and lettings and his motivation to be in the supported living sector.
What the definition of Supported housing.
Challenges of running an investment House in this sector.
Using data and tech to assist with asset management and finding deals.
Use classes and the planning system when it comes to supported housing.
The difficulties of finding and dealing with operators in this space.
Different types of leases and what they mean for investors and operators.
The regulator and the mismatch of what they want and what is happening in the market.
The LHA rate and what is sustainable rent for supported living sectors and why.
And Lots more.
Once again thanks to the sponsors www.978finance.com please contact them about financing your next deal
www.konnexsion.com please contact them to enhance your property management.
Also a quick note of our next workshop.
I see it come up all the time when people want to exit/sell a portfolio/business. They've got no exit plan.
Understanding your own is crucial otherwise there's no point putting all this effort in.
Understanding all this also helps you provide proper solutions for vendors that can help to get deals over the line.
Check out details of our property business workshop on exits in October here https://Bit.ly/pbwfour
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James Pick founder of Konnexsion www.konnexsion.com joined me for this episode to discuss how AI is being used in Property Management.
We talk about communication and how important it is in property management.
Different ways to communicate and to whom eg voice, SMS, Whatsapp, email etc.
Audit trails
Record keeping
Getting all stakeholders communications recorded in a centralised place without changing their preferred method of communication.
Integration and using Cloud.
Asset Management
Tenancy Management
Finance
AI and document ingestion.
transcription of videos and voice notes.
If you are interested on efficiencies in the property management of your business then this episode is one for you.
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Before we get started, I’m delighted to say our next Property Business Workshop on 4th July only has 10 tickets left.
This time Adam Lawrence and I will be taking on: The fundamentals of property investment. Risk mitigation and control. Relevant investment metrics. Differing secured debt arrangements and loan structures – and – Scaling your property portfolio/business – why, when and how?
Thursday 4th July, in a Central London location (Blackfriars). Let’s face it – there’s nothing else on that day apart from a rout. Early Bird tickets are running out – and thanks to the early bookers who make it viable to book a room and organise the event – we reward them with 10% off! There are tickets still available here: http://bit.ly/pbwthree
Now to this episode.
Mike Kovacs from Castleforge is always a fountain of knowledge when I talk to him and this time was no different. I love his data led research approach to investing in different use classes and geographies.
In the episode we discuss what Mike has been up to since we last spoke on the Rodcast a few years ago in episode 72 https://shows.acast.com/5d72784e408342486f3e10c1/633ee475050f5400123d2eaf
We discuss;
What has happened in terms of people being back in the office and how that differs in different markets.
Structural differences in Markets that technology cannot fix in the office market.
What has happened to Traditional office leases over the past couple of years.
Flexible office market and how this is changing.
We Work' s effect on the London flexible office Market
Regional office markets.
How commutes affect office demand.
Office costs as a percentage of a Businesses costs and how that has changed.
Security of income in Flexi offices.
What investors should be concerned about in regards to metrics.
What office investors can learn from Hotel investments.
The parts of the office market he focuses on and why.
Why investors are only now realising the operational efficiencies of old school investments have changed.
How Covid affected the Hotel market and why they felt it was the right time to get into hotels.
How they chose the type of hotels and locations to invest in.
Issues with the capital structure of some Hotels.
Why Hotels have a track record of keeping up with inflation so well.
What are the factors and some examples of what they look for in locations for Hotels.
The effects on Hotels on the short term let and holiday let market.
Why their residential arm "Ocasa" focuses on lower to middle market and affordable products.
Barriers of entry in lower value residential areas.
How they built a portfolio of over 2,250 residential units.
How to look at the addressable market.
The cost of Development.
Cost of Living and how that is affecting affordability for renters and what they do to mitigate these risks.
Operational costs of operating a residential portfolio.
he ongoing costs and investment metrics needed in residential investment.
Should operations be split from ownership?
How regulation is affecting operational costs.
The problems of investors realising they are running a business.
Options for tired landlords.
The future of Data Centres.
How energy markets affect Data Centres.
Why there are supply constraints in Data Centres.
Different types of Data Centres and what to look for in a building or location for a good investment.
And lots more
Thanks to our sponsors www.978finance.com & www.konnexsion.com
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If you are interested in Supported living, Impact Investment, Private Equity, Operational Efficiencies, EBITDA, ESG, Housing Crisis then you are in for a treat.
I was joined by Honor Barratt the Managing Director of Birchgrove, https://www.birchgrove.life/ a Senior Assisted Living operator that is funded by Impact Fund, Bridges https://www.bridgesfundmanagement.com/our-story/
We discuss;
Honor's background in business and how she became the Managing Director of Birchgrove.
Coping with changes when your business is bought by Private Equity.
Upskilling through business programmes such as Harvard.
Transferable skills from a Creative industry.
The scale of the retirement living problem in the UK.
When people should look to downsize.
Renting in later life.
How the housing market is affected by the older population.
How the senior living market in the UK compares with other countries.
Why does it take us so long to create buildings in the UK.
The biggest challenges Birchgrove faces.
Market and Investors concerns over the supported living industry.
Where the money is currently coming from that is investing in UK Senior Living.
Measuring Impact.
Delivering EBITDA with impact.
How ESG and EBITDA are not mutually exclusive.
The biggest challenges with scaling a business where there is an absence of comparables.
The demographics of the industry and why this sector looks rosey.
Identifying the problem with insight.
How the cost of finance affects the business as well as impact.
The realities of paying for care.
Having a sense of purpose and how that really supercharges things.
Ghetto-ising certain communities and how sometimes some communities want it.
How impactful gestures can be.
And Lots more.
Thanks again to our sponsors 978 Finance https://978finance.com/
and
Konnexsion property management software https://www.konnexsion.com/user-login
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Jo Seth-Smith is the Investment Manager at Olim Property https://www.olimproperty.co.uk/index.html an FCA regulated property investment manager of UK commercial property portfolios, whose Funds Under Management total is approximately £1 billion with individual discretionary mandates for pension funds, investment trusts and Oxford colleges.
Jo has a heap of experience in Commercial Property Investment starting her career at JLL, La Salle Investment Manager and then moving on to for part of the team that created Acuitus Commercial Property Auctions before joining Olim Property.
In this discussion Jo and I discuss;
How Jo came to be involved in the investment side of Commercial Real Estate.
Different types of sellers and buyers at commercial property auctions and differences in approaches between institutional investors vs private sector investors.
Why institutional investors decide to sell at auction.
How the structure of a typical institutional real estate portfolio has changed over time.
As an investment manager how does the clients needs dictate the sectors that you look to invest in.
Where her focus in terms of asset types has changed over the past few years.
The importance of not just reducing risk for clients but also reducing costs.
Valuations when transactional evidence is low and how that can affect decisions to sell.
Theory vs experience.
The delay between cause and effect on asset prices happening in the market.
Cost of living crisis effects on covenant strength of occupiers of commercial property.
Difficulties in forecasting future rents.
Difficulties in achieving historical yields in certain asset classes.
How ESG factors into Jo's decision making when making investments and how that has changed over time.
Policy and Government changes and their effects on investments.
ESG and box ticking.
Advice to people looking to get into the industry.
And lots more...
Thanks again to our sponsors https://www.konnexsion.com who provide fantastic property management software and 978 Property finance https://978finance.com/ who provide finance for all property deals
If you enjoyed the episode please be sure to follow on whichever platform you listen or view on. Reviews are always welcome.
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Our Quarterly Investment Mastermind with Manish Kataria and Adam Lawrence kicked off with a brief discussion on the performance of some of our previous investment picks and the current investment environment.
We then got onto our picks for this quarter.
If you haven't listened to one of these mastermind episodes before the premise is we each pick a stock, bond, ETF, REIT etc that we feel is good to invest in now and give the reasons why. The others then are given a chance to critique.
Manish chose an ETF that tracks the Russel 2000 ticker IWM https://www.ishares.com/us/products/239710/ishares-russell-2000-etf
I went with an ETF that tracks the FTSE 250 with ticker VMID https://www.vanguardinvestor.co.uk/investments/vanguard-ftse-250-ucits-etf-gbp-distributing/distributions
And Adam chose Dimensional Fund advisors uk value fund https://www.morningstar.co.uk/uk/funds/snapshot/snapshot.aspx?id=f0gbr04v7x
Manish also came in with a bonus pick of the stock BP https://www.bp.com/en/global/corporate/investors/share-price-tools/share-price-history.html
To find out the reasoning and critiques behind these investment picks please listen to the episode.
Please don't forget to like and subscribe/ follow the Rodcast
THIS IS NOT INVESTMENT ADVICE
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In this episode I am joined by Richard Nicholls who has a fantastic knowledge and track record in the sales market of HMO properties. We also discuss the HMO market and what HMO owners can do to maximise sale values.
Selling portfolio's and large HMO to funds and what they may be looking for.
However in this episode we discuss another property related business that Richard had several years ago that had disastrous outcomes for his clients, him and his family.
This is a candid discussion about what mistakes Richard made in business, what went wrong and what we can all learn and apply in our own businesses to ensure we minimise these things happening.
We discuss warning signs for both clients and Richard acting as main contractor. We look at it from both clients perspective and what you should be looking for in a contractor as well as from a contractors point of view.
As always thanks to our sponsors www.978finance.com who provide me with fantastic finance for property investments and developments and www.konnexsion.com whose software is invaluable in managing my portfolio.
Please don't forget to like and subscribe to our podcast.
If you. prefer to watch the episode please subscribe, like and watch our youtube channel https://www.youtube.com/channel/UCxkO-euK0xulYGS7vH08d5A
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In this episode I am joined by Planning Consultant Lorenzo Pandolfi from https://logic-planning.com/ to talk about the current state of the UK's Planning System.
We discuss;
His career and how an Italian town planner came to be in London.
How Morale, Money and perspective are causing issues in the planning system.
What is causing the issues with staffing in planning departments.
How "Public Practice" can help the planning system.
The public sectors PR department
Life on the front line in Local Authority Planning Departments http://samuelstafford.blogspot.com/2021/12/life-on-front-line.html
Common mistakes made when submitting planning applications.
Where does planning really sit in the agenda for the political parties.
Permitted Development.
How important soft skills are when trying to get an application granted.
Useful resources for Planning specialists and developers (see below)
https://www.youtube.com/channel/UCcMtoF0MPgFble556ncjNvQ
https://simonicity.com/
https://www.planoraks.com/
https://www.irwinmitchell.com/our-people/nicola-gooch
http://samuelstafford.blogspot.com/2021/12/life-on-front-line.html
As always a big thank you to www.978finance.com for sponsoring the episode. Please contact [email protected] for all of your finance needs.
Please share this episode if you enjoyed it and don't forget to follow on your podcast platform or on youtube https://www.youtube.com/@rodcastITP and we would love a review.
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In the last 5 years we have had Covid, Trussonomics, Market volatility, been paid to stay home, inflation and the fastest increases in mortgage rates for 100 years.
So it was an absolute pleasure to have the first ever Rodcast guest back on the show to celebrate our 100th episode and hear how his fantastic property business has navigated the difficult environment.
If you haven't heard the first episode then do go back and listen. (The sound quality is not good but the content of what Jason Tracey from www.bmor.co.uk discusses is brilliant)
In this episode we hear how Jason's company Bmor, a specialist regeneration developer and investor with a €1bn portfolio of complex, mixed-use, regeneration & restoration projects operate.
At heart they are bed specialists in that they focus on;
Housebuilding
Build to Rent
Social Housing
Hotels
Purpose Built Student Accommodation
Caravans
but more importantly the reasoning they use when they jump into each of these sectors.
This one is really a belter of an episode it is both inspirational and full of fantastic tips for any property business.
Thanks again to our sponsors www.978finance.com for making the episode possible. They provide fantastic rates in Bridging & Development loans, commercial mortgages and also Buy to Let products
This episode is also sponsored by Rod & Adam Lawrence's next Property Business Workshop on Joint Ventures and Due Diligence which takes place on 24th April in London. Find out more here https://www.tickettailor.com/events/boardroomclubconsultingltd/1136058
We are also on YouTube and you can watch this episode as well as other on https://www.youtube.com/@rodcastITP don't forget to subscribe
If you enjoyed this episode or any others please write us a review and share with friends. We really appreciate it.
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I was delighted to welcome back Paul Higgs to the Rodcast.
Paul was last on the Rodcast in 2020 on episode 15. If you have not listened to it please give it some of your time as it discusses Paul's amazing career from being Head of Land at Barratt Homes (The UK's biggest House builder) to his own business. https://shows.acast.com/rodcast/episodes/paul-higgs-development-land-and-planning
In this episode we discuss the difficulties of being a Property Developer in the UK and how to navigate the volatile industry including;
How Paul was able to win at appeal where others had failed on a complex Greenbelt site.
The realities of what the Green Belt is and what the government is doing to enable or discourage development on it.
Biophilic design and why it is important.
Common mistakes developers make.
Managing expectations of timeframes on development deals.
How the current planning system is affecting the building of new homes in the UK.
As always thanks to our sponsors at www.978finance.com for making this episode possible. Please contact them for any property financing needs.
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Richard Berridge CEO of the UK Single-Family Association SFA https://uksfa.org/ has over 40 years experience in UK Residential Real Estate.
We had a brilliant conversation centred on Richards passion for rental Houses
We discussed;
Richards Career and how he came to be CEO of UKSFA
The history of Build to Rent (BTR) in the UK.
The current make up of BTR in the UK
Who have been investing in BTR in the past and how is that changing.
How the UK compares to other markets in terms of BTR and single family rental homes.
The benefits of Single Family rentals for tenants and wider communities.
Why institutional money have generally stayed on the sidelines when it comes to UK residential property and if this is changing.
This is a must listen for anyone growing a residential portfolio in the uk.
Thank you to our sponsors www.978finance.com for making this episode possible.
Don't forget you can watch this episode as well as other Rodcast episodes on our youtube channel https://www.youtube.com/@rodcastITP
Don't forget to subscribe
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Adam Lawrence joins me in this episode to discuss Joint Ventures and the mistakes people make as well as due diligence and some info on M&A in SME property businesses.
We will go into much more detail at our live workshop in London on 24th April. More info here https://bit.ly/propertybusinessworkshop2
Points we cover in this episode are;
Joint Ventures
What do you want from a business partner. Where do you need to be aligned and where does it help to be different.
What happens in the event of a dispute. What are typical traps business partners fall into.
How can shares and what is included in Articles of Association mitigate issues.
The difference between Articles of Association and a Shareholders agreement and why you may use one over the other.
Why do people tend to fall into these traps when going into a business together.
Some examples of what can go wrong and what to include in an agreement to mitigate the chances of that.
Ensuring everyone knows where they stand in the event a dispute takes place and the mechanism that will be used to come to a decision.
Key person issues.
What to do if you are already in business and do not have these things in place.
Utilising Trigger Events.
Due Diligence on partners.
How to work out if a person or company will be a good custodian of your capital.
Return of Investment before Return on Investment.
Evidencing what people say.
Why accounts matter.
Ways of dissolving companies.
Online and offline due diligence.
Secured and unsecured debt and how to look at both and the real leverage someone or a company is really under pressure from.
Subordination and order of priorities.
How do you underwrite a deal as well as a person/organisation.
How to manage expectations when lending.
Mergers & Acquisitions on SME property Businesses.
Benefits of buying a company holding assets rather than the just the properties... It is not just Stamp duty.
Negotiation points from both the buyer and seller.
We will be going into far more detail on these topics at a live workshop event on 24th April in London. You can get more details for the event as well as buy tickets https://bit.ly/propertybusinessworkshop2
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Joined again by Adam Lawrence and Manish Kataria we each pick a specific investment that anyone can do in their ISA or pension and explain the reasoning behind it.
As well as our picks, we discuss;
Pound cost averaging,
changing a portfolio for retirement
Bias to home nations
How value vs growth has performed
Nominal vs real numbers.
How long do you hold specific investments for and what makes you make a decision to sell or not.
Rod's pick is one of the Vanguard lifeStrategy funds which is 100& in equities with a bias to UK and USA. https://www.vanguardinvestor.co.uk/investments/vanguard-lifestrategy-100-equity-fund-accumulation-shares/overview
Adam's pick is Developed countries small cap value ETF https://www.ishares.com/ch/professionals/en/products/317548/ishares-international-developed-small-cap-value-factor-etf
Manish's pick is an energy ETF with a weighting towards American Oil producers https://www.google.com/finance/quote/XLE:NYSEARCA?sa=X&ved=2ahUKEwj71Jn_sb6DAxWOQUEAHYwHCCUQ3ecFegQIKBAX
For more info about the Boardroom Club please email me [email protected]
For information about finance for property investors regarding mortgages and development& bridging loans please contact our sponsors 978 finance [email protected]
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I spoke with Daryl Norkett the Head of Real Estate Proposition at Shawbrook Bank, one of the biggest Buy to Let and property investment lenders to discuss how mortgages work from the banks point of view.
You can also watch this episode on our youtube channel https://youtube.com/@rodcastITP?si=MbqPWAGHJEmlvcfZ please don't forget to subscribe and hit the bell icon.
This episode is vital listening for investors concerned about mortgage costs and who want to understand which factors affect pricing.
With the emphasis being on SWAP rates for the last year or two, hear how deposit led banks could be affecting mortgage pricing in this higher rate environment
Daryl gives a great run down of what has been happening in the mortgage market over the past 12 months.
What he feels needs to happen in order for mortgage rates to go down and what the time lag between those events happening and the price cuts occurring will be.
What makes some lenders pull mortgage deals while others wont need to.
How the high arrangement fees on many mortgage products affect the banks risk in terms of loan to values.
And lots more ...
How National Insurance cuts and fiscal drag can affect property investors portfolios in different ways.
- If you have requirements for Buy to let mortgages, commercial mortgages, Development loans or bridging Loans then please contact [email protected] our sponsor who has done an amazing job of financing all aspects of my portfolio.
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In this episode I run through the points of the Autumn Budget that are relevant to the Property Industry including parts that were not in Jeremy Hunts speech.
Largest ever increases to minimum wage.
LHA increased to 30th percentile of local rents.
Freeze on how Business rates are calculated and the discount in leisure, retail and hospitality is extended.
£3mil invested into pilot schemes to improve the process of buying and selling homes.
A consultation to start early next year on a new PD right to split a house to 2 flats.
Annual Tax on Enveloped Dwellings (ATED) to increase by 6.7%.
Guaranteed accelerated planning decisions on big developments in exchange for a fee.
Local development orders to speed up planning decisions for key commercial developments.
£110 million to deliver schemes to offset the stall on nutrient neutrality.
Affordable Homes Guarentee scheme to expand by a further £3billion so HA's can access cheaper loans for developing new homes.
£450 million to local authority housing fund to deliver 2,400 new homes for refugees and help homelessness.
£120 million for homeless prevention.
Mortgage Guarentee scheme extended for 18 months which allows buyers to borrow 95% LTV.
To read the Autumn Budget notes in full you can download this document file:///Users/rodturner/Downloads/DOC-20231122-WA0019..pdf
As always thanks to our sponsors 978 Finance. If you are looking at finance please contact [email protected]
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