--- title: Investor Structures — How Private Capital Participates in Planning-Led Value Creation description: "Planning Gain Isn’t Just for Developers — Here’s How Private Investors Can Get Involved\nMost people think planning gain only benefits landowners or big housebuilders. But in the right structure — with a capable partner — private investors can participate directly in the uplift that planning permission unlocks.\nThis final article breaks down how OLD-Homes structures investor participation, what options exist (loan notes vs. equity), and how we design these deals to offer security, alignment, and strong return potential.\nBecause capital shouldn’t just sit idle — it should be structured to work intelligently in a high-demand, constrained-growth market like Oxfordshire." image: https://old-homes.co.uk/hubfs/hero2.jpg --- [Skip to content](https://old-homes.co.uk/insights-blog/investor-structures-how-private-capital-participates-in-planning-led-value-creation#main-content) ![logo-joomla](https://old-homes.co.uk/hs-fs/hubfs/logo-joomla.png?width=300&height=93&name=logo-joomla.png)Homepage - [Home](https://old-homes.co.uk) - [About](https://old-homes.co.uk/about) - [Invest](https://old-homes.co.uk/invest) - [Portfolio](https://old-homes.co.uk/portfolio) - [Partner](https://old-homes.co.uk/partner) - [Contact](https://old-homes.co.uk/contact) [Insights Blog](https://old-homes.co.uk/insights-blog) - [Home](https://old-homes.co.uk) - [About](https://old-homes.co.uk/about) - [Invest](https://old-homes.co.uk/invest) - [Portfolio](https://old-homes.co.uk/portfolio) - [Partner](https://old-homes.co.uk/partner) - [Contact](https://old-homes.co.uk/contact) [Insights Blog](https://old-homes.co.uk/insights-blog) ![](https://old-homes.co.uk/hs-fs/hubfs/hero2.jpg?width=728&height=508&name=hero2.jpg) Planning # Investor Structures — How Private Capital Participates in Planning-Led Value Creation ![Will Mallard](https://7528315.fs1.hubspotusercontent-na1.net/hub/7528315/hubfs/raw_assets/public/mV0_d-cms-elevate-theme_hubspot/elevate/images/avatar-placeholder.jpg?width=48&height=48&name=avatar-placeholder.jpg) Will Mallard December 1, 2025   **Planning Gain Isn’t Just for Developers — Here’s How Private Investors Can Get Involved** Most people think planning gain only benefits landowners or big housebuilders. But in the right structure — with a capable partner — **private investors can participate directly in the uplift** that planning permission unlocks. This final article breaks down how OLD-Homes structures investor participation, what options exist (loan notes vs. equity), and how we design these deals to offer security, alignment, and strong return potential. Because capital shouldn’t just sit idle — it should be structured to *work intelligently* in a high-demand, constrained-growth market like Oxfordshire. --- ### 1. Two Main Investor Structures We Offer Depending on your appetite for risk and return, we offer two main options: #### *Option A: Secured Loan Notes* - Fixed interest (typically 8–15% p.a. depending on term) - Secured against project asset (legal charge) - Term usually 6–24 months - No direct ownership **Best for:** - Capital preservation - Passive, short-term investing 12-36 months - SIPP/SSAS deployment #### *Option B: Preferred Equity (Profit Participation)* - Share in project profit after exit - Priority return before developer profit - Potential IRR 15–20% depending on project scale and term - Capital at greater risk (it sits behind all debt), but upside aligned **Best for:** - Growth-focused investors - Those comfortable with market-based returns - Long-term partners who want involvement across multiple deals --- ### 2. What You’re Actually Investing In This is key — you’re not buying stock in OLD-Homes. You’re participating in: - A **specific Oxfordshire site**, via an SPV (ring-fenced company) - With a **known strategy** (planning-led uplift and/or development) - On **contracted terms** (secured or equity-based) You’ll receive: - Full legal documents - Project summary, financial model, exit routes - Risk profile and sensitivity scenarios It’s real. It’s ring-fenced. And it’s backed by local expertise and execution. --- ### 3. How We Ensure Investor Capital Is Protected Especially with third-party capital, protection comes first: - **Legal Charges**: Our loan note holders get a charge over the land/asset - **Tranche Drawdowns**: We only release funds as progress is made - **Exit-tested before Entry**: We model sales, rental fallback, and refi options before launching - **Transparency**: We issue regular updates — and are directly reachable We also **co-invest** in every deal, so our money is in the same structure as yours. --- ### 4. Local Focus = Lower Risk and Faster Exit Because we work exclusively in Oxfordshire, we: - Know the planners and decision-makers - Understand the policy landscape - Have local trades and contractors - Access a pre-qualified buyer/investor network This isn’t a London desk operation. We’re on-site, in-meeting, and in contact with agents, councils, and builders every week. For you, that means fewer surprises, better cost control, and **quicker exits**. --- ### 5. How Uplift Plays Out in the Capital Stack Let’s say a site is expected to deliver a £300,000 uplift: - Loan note investors get their **fixed return first** (say 10%) - Equity investors get their **preferred return next** (e.g. 12%+ IRR) - Developer profit comes last That’s what “alignment” looks like — you get paid *before* we do. This structure gives you exposure to the value creation process — but with protection mechanisms designed to shield your capital from the most common risks. --- ### 6. Where This All Connects — The OLD-Homes Investment Thesis Throughout this series, we’ve shown: - Oxfordshire’s land supply is constrained - Demand is strong and growing - Planning gain creates real, bankable uplift - Small infill and conversion sites can be low-risk, high-yielding So we: - Find undervalued or underused sites - Secure planning uplift - Deliver the exit via sale, build, or refi And we structure investment to: - Protect capital first - Deliver short-to-mid-term returns - Build long-term trust with our investor base --- ### Call to Action Planning gain isn’t reserved for landowners. With the right partner and structure, it can be part of your portfolio strategy. Want to see how we’re currently structuring capital for live projects? [Request a Deal Overview Pack](https://docs.google.com/document/d/1Qjj1IrnlfbUD-ykbwR3DB0pUCNBPaWsA/edit#bookmark=id.l9gk0mett9jm) or [book a confidential investor call](https://docs.google.com/document/d/1Qjj1IrnlfbUD-ykbwR3DB0pUCNBPaWsA/edit#bookmark=id.l9gk0mett9jm) to talk directly with our founding team. --- **Thanks for reading the series.** If you’d like a consolidated PDF of all 6 articles plus live deal snapshots and investor FAQs, just let us know — we’ll send it straight over. ## Share this post [mailto:https%3A%2F%2Fold-homes.co.uk%2Finsights-blog%2Finvestor-structures-how-private-capital-participates-in-planning-led-value-creation](mailto:https%3A%2F%2Fold-homes.co.uk%2Finsights-blog%2Finvestor-structures-how-private-capital-participates-in-planning-led-value-creation) ## Keep reading ### [Planning Risk, Sensitivity & Mitigation in Uplift Deals](https://old-homes.co.uk/insights-blog/risk-sensitivity-mitigation-in-uplift-deals) ### [Planning Case Studies of Value Uplift in Oxfordshire & Comparable Regions](https://old-homes.co.uk/insights-blog/case-studies-of-value-uplift-in-oxfordshire-comparable-regions) ![logo-joomla](https://old-homes.co.uk/hs-fs/hubfs/logo-joomla.png?width=300&height=93&name=logo-joomla.png) #### High-Yield, Secure Residential Investments in Oxfordshire. Oxfordshire Living Developments brings over two decades of hands-on experience in UK residential development, with deep roots in construction, planning, and a proven value-creation strategy. **Documents & Disclosures** [Terms & Conditions](https://old-homes.co.uk/hubfs/tnc.pdf) [Cookie Policy](https://old-homes.co.uk/hubfs/cookie-policy.pdf) [Privacy Policy](https://old-homes.co.uk/hubfs/privacy.pdf) ### Investment Risk All investments carry risk. Past performance is not a guarantee of future results. Capital is at risk. Always seek independent financial advice before investing. **How We Mitigate Risk** - Legal due diligence on all acquisitions - Fixed-price build contracts where possible - Multiple exit strategies (sale, refinance, hold) - Independent valuations and conservative GDV assumptions - [Risk Factors Overview PDF](https://old-homes.co.uk/hubfs/risk.pdf) ### Contact Us **Use any of the methods below to contact us:** 📩  **Send us an email:** [nick@old-homes.co.uk](mailto:nick@old-homes.co.uk) 🏚️ **Send us a letter:** 3 Cocklebarrow Farm Cocklebarrow, Aldsworth, Cheltenham, England, GL54 3PU ☎️ **Call us on** [WhatsApp](https://wa.me/447865203492?text=Hello,%20I%20am%20interested%20in%20investing%20) **👔 Registered in England** - Company Number: 15880238 --- © 2025 Oxfordshire Living Developments Ltd. All rights reserved. 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