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The home building fund

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Home Building Fund


The government has created a £3 billion fund to increase the number of homes built in England.

Who can apply

You can apply if you’re a private sector business that builds new homes or prepares sites for housing developments.

This includes small builders, community builders, custom builders and regeneration specialists, as well as larger builders and developers.

A pdf to download and enjoy reading.. 



Our flexible approach to structuring loans enables us to provide finance on both a short and long term basis. All our lending requires appropriate security and loans are typically secured against property assets.

The key features of the Fund are:

■ loans of £250,000 to £250 million are available with smaller loans considered for innovative housing solutions and serviced plots for custom builders.

■ typical terms are up to 5 years for development finance, and up to 20 years for infrastructure loans

■ interest is payable at transparent, pre-agreed variable rates

■ sales income can be recycled to minimise the loan request

■ subordinated lending will be considered

■ finance is available to draw down up to 31 March 2021

■ eligible costs will be discussed with each applicant and depend on the type of funding requested The Fund provides loan finance with other forms of financial support considered. The HCA is an investor in the Housing Growth Partnership which provides equity capital directly for residential development projects - www.housinggrowth.com

Edited by SarahBell

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In a nation awash with cheap and easy credit, the govt thinks its "helping" by creating cheaper and easier credit.

Surely there must be a way you could form a ltd company, build a house, seel it to yourself then go bankrupt.

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Are builders really struggling to finance building homes?

I would have thought they are struggling to sell them in some areas, but there would be a queue of lenders willing to help them finance the build cost.

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