Our Structured Finance team provides innovative funding solutions for both private and public sector developments. We are experts in all project stages including: initial financial modelling; JV/contract structuring; sourcing and securing short- or long-term funding; legal negotiations; public sector procurement; and asset management and rental.
Why Choose Rettie
Our finance team works closely with all other departments in Rettie and as independent consultants across a broad range of projects, from single unit sales to strategic masterplans.
We deliver funding solutions for a wide range of residential developments, alongside mixed use and cross sector schemes. For example, we have agreed re-financing packages for construction contracts worth £31.4m.
Our finance team draws on the resources of Scotland's largest private sector property research team. This team provides thorough and bespoke analysis to our finance staff, all based on reliable and up-to-date information.
We have won numerous awards for projects that have been facilitated by our funding expertise. We have had particular success in the affordable housing sector.
Latest Insight & Opinions
In the midst of ongoing debates about rental reform in England, there’s a strong argument for looking north to Scotland for inspiration. Since 2018, Scotland has operated under a fully regulated rental sector that offers not just clarity for landlords and agents, but peace of mind for tenants.
Making Tax Digital (MTD) is HMRC’s move to modernise the UK’s tax system. Already in place for VAT-registered businesses, it’s now being rolled out to Income Tax Self Assessment (ITSA). This will directly affect landlords with rental income. Even though Scotland has devolved income tax bands and rates, the MTD rules apply UK-wide.
Pressure is slowly starting to ease off the mortgage market after a challenging spell dominated by harsh affordability conditions. Some signs are pointing towards improved lending conditions throughout the remainder of 2025 and into 2026, but the market is fluctuating. Mortgage payments are on a downward trend overall since 2023 and have remained below the average rental payment throughout the second quarter of 2025.