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Britain has solved its housing capital problem and discovered a harder one
Homes England's figures for 2025/26 landed last week, and the temptation in Whitehall to call this a turning point will be strong. The agency enabled just over 40,000 completions, its best year since 2020, alongside more than 42,000 starts on site, and it beat two of its three government targets while lifting completions for social rent by 65 per cent, the tenure that matters most to people in greatest need. For an agency that has spent much of the past decade fielding critic

Joe Garner MRICS
Jul 63 min read


What Changes When the Prime Minister Does
Keir Starmer resigned this morning. Andy Burnham is now the overwhelming favourite to replace him and could be in office within weeks. For those working in development, cost consultancy and investment, it is worth being clear about what that means commercially. Burnham is not anti-development. His record in Greater Manchester is evidence enough: house prices rose 63% over the past decade against London's 7%, and major schemes like Victoria North and Mayfield were delivered on

Joe Garner MRICS
Jun 222 min read


The Initial Review Is Where Good Monitoring Earns Its Fee
Most people assume the value in project monitoring shows up when something goes wrong. A contractor in difficulty, a programme slipping, a cost plan that no longer adds up. That is when the reports matter, obviously. But the work that makes those reports useful happens much earlier. The initial review is the part we take most seriously. A drawdown pack arrives, often with pressure to turn it quickly, and the temptation is to skim, tick the boxes and move on. We do not do that

Joe Garner MRICS
Jun 152 min read


£500m to Unlock Section 106, But Money Was Never the Whole Problem
NatWest's £250m Section 106 loan fund, matched by Homes England, takes the total available for S106 acquisitions to £500m. It is good news for a market that has badly needed it. Around half of England's affordable housing is delivered through the S106 cross-subsidy model. When registered providers stopped buying, whole sites stalled. Private plots sat behind unsold affordable phases, and housebuilders mothballed schemes that were viable on paper but couldn't clear the afforda

Joe Garner MRICS
Jun 113 min read


Why We Go Where the Work Is
Geography has become an excuse in this industry. Firms carve the country up between them as though expertise were a local resource, and everyone calls this discipline when really it is just habit. The result is a market that limits itself for reasons that have nothing to do with the quality of advice on offer. Spending time in Leeds for UKREiiF brought this into focus. It is a brilliant city with real energy, particularly around Kirkgate, and a good reminder that the best wor

Joe Garner MRICS
May 291 min read


The AI Boom Is in Your Cost Plan. Most SME Developers Have Not Noticed Yet.
How AI is affecting projects for SME developers.

Joe Garner MRICS
May 263 min read


The Decisions That Matter Most Before Planning
By the time a scheme reaches committee, many of the most influential decisions have already been settled. Development consultants working at this stage rarely make fundamental changes to a scheme, but those involved earlier can shape outcomes while options remain open. The real cost drivers of a site are often set early, before they appear on drawings. Access, topography, services, heritage and context can dictate viability if they are treated as assumptions rather than varia

Joe Garner MRICS
May 52 min read
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