S106affordablehousing.co.uk Review

Based on looking at the website, s106affordablehousing.co.uk appears to be a legitimate, albeit very lean, consultancy service specialising in affordable housing and development viability assessments. The site focuses on presenting Simon Corp’s expertise and services without the typical bells and whistles of larger corporate entities.

Overall Review Summary:

• Legitimacy: Appears legitimate, run by an experienced individual.
• Website Design & User Experience: Minimalist, straightforward, but lacks depth.
• Transparency: Good on credentials, but limited on process and client testimonials.
• Service Offering Clarity: Clear outline of core services.
• Ethical Considerations: Deals with housing development, which can be permissible if conducted ethically and within Sharia principles; however, the website does not offer details on the financial mechanisms used for viability, which could involve Riba (interest) in traditional development finance. This is a crucial point of concern.
• Overall Recommendation: Potentially useful for its stated purpose, but potential clients should exercise caution and conduct thorough due diligence, particularly regarding the financial aspects of any proposed viability solutions to ensure they align with ethical principles.

While the website clearly outlines the services offered by Simon Corp, a sole trader consultancy, there are several elements commonly found on trusted professional websites that are missing. These include client testimonials or case studies, detailed explanations of methodologies, a blog or resources section demonstrating thought leadership, and comprehensive legal disclaimers beyond copyright. The absence of these can raise questions about the site’s overall robustness and the depth of its online presence, especially for a consultancy dealing with complex financial viability. Moreover, the inherent nature of “viability assessments” in traditional real estate often intersects with conventional financing structures that include interest-based loans (Riba), which are impermissible. While the service itself isn’t directly Riba, the outcomes and recommendations it produces might implicitly rely on or facilitate such mechanisms. Therefore, caution is advised.

Best Alternatives for Ethical Development and Consultancy Services:
When considering ethical development and consultancy, especially for those seeking to align with principles, the focus shifts to transparency, fair dealings, and avoiding prohibited elements like interest-based financing. Here are some alternatives that focus on different aspects of ethical business and property:

• Al Rayan Bank

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  • Key Features: UK’s oldest and largest Islamic bank, offering Sharia-compliant financial products including home purchase plans (alternatives to mortgages) and commercial property finance. Focuses on ethical investments and transparent dealings.
  • Price or Average Price: Varies significantly depending on the service (e.g., property finance rates, investment product fees).
  • Pros: Fully Sharia-compliant, regulated by UK authorities, established track record, transparent about its operations.
  • Cons: Product range might be narrower than conventional banks, not all services are universally available, processes can sometimes be perceived as slower due to adherence to specific structures.

• Gatehouse Bank

  • Key Features: Another prominent UK Islamic bank providing Sharia-compliant savings accounts, home finance, and commercial real estate finance. Emphasises ethical investment and responsible banking.
  • Price or Average Price: Variable based on financial product.
  • Pros: Strong focus on ethical finance, diverse range of Sharia-compliant products, regulated, good customer service reputation.
  • Cons: Limited branch network, specific criteria for eligibility for certain products.

• Islamic Finance Council UK (IFC4UK)

  • Key Features: A non-profit organisation promoting Islamic finance in the UK. While not a direct service provider, they offer resources, research, and connections that can guide individuals and businesses towards ethical financial practices and consultancies.
  • Price or Average Price: Information and resources are generally free, specific consultancy or event fees may apply.
  • Pros: Excellent source for understanding Islamic finance principles, connects to a network of experts, advocacy for ethical finance.
  • Cons: Not a direct service provider for viability assessments; primarily an informational and networking hub.

• RICS (Royal Institution of Chartered Surveyors) Professionals

  • Key Features: While not exclusively Islamic, RICS offers a directory of chartered surveyors who adhere to strict ethical codes and professional standards. You can search for surveyors specialising in viability, valuation, and development, and then ensure your chosen professional understands ethical finance requirements.
  • Price or Average Price: Consultancy fees vary widely based on project scope.
  • Pros: High professional standards, extensive expertise, global recognition, strong ethical guidelines (though not specifically Islamic).
  • Cons: Requires additional due diligence to ensure specific consultants are familiar with or willing to work within Sharia-compliant frameworks for financial viability.

• Ethical Property Company

  • Key Features: A property company that provides affordable, ethical, and managed office space for charities, social enterprises, and voluntary organisations. While their primary focus is space provision, their underlying ethos aligns with ethical community development.
  • Price or Average Price: Rental costs for office spaces.
  • Pros: Direct focus on social impact and ethical property use, supports community-driven projects.
  • Cons: Not directly a viability consultancy for large-scale housing developments; specific to providing office space for social impact organisations.

• Ethis Global

  • Key Features: A global Islamic crowdfunding platform that facilitates ethical investments in real estate and other sectors. While more focused on investment, it connects ethical capital with projects and highlights the importance of transparent, Sharia-compliant funding.
  • Price or Average Price: Investment minimums vary; fees apply to successful investments.
  • Pros: Direct access to ethical investment opportunities, global reach, supports responsible development.
  • Cons: Primarily an investment platform, not a direct consultancy for development viability assessments.

• Property Tribes Forum

  • Key Features: A large online community and resource hub for property investors and developers in the UK. While it’s a general forum, it’s an excellent place to ask questions, find recommendations, and connect with other professionals, including those who may specialise in ethical or specific financing models. Users can seek advice on structuring projects to avoid interest.
  • Price or Average Price: Free to use.
  • Pros: Vast knowledge base, direct access to experienced individuals, diverse perspectives.
  • Cons: Information quality can vary; requires filtering and careful consideration of advice; not a direct consultancy service.

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Find detailed reviews on Trustpilot, Reddit, and BBB.org, for software products you can also check Producthunt.

IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org.

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S106affordablehousing.co.uk Review & First Look

When you land on s106affordablehousing.co.uk, the first impression is one of stark simplicity. It’s clear that this isn’t a flashy, corporate behemoth. Instead, it presents itself as a focused, sole-trader consultancy operated by Simon Corp. The homepage quickly communicates its niche: affordable housing and development viability assessments. It’s direct, which can be refreshing in a world of over-designed websites, but it also leaves you wanting more. The site’s primary goal seems to be generating enquiries, with multiple “Contact” links prominently placed.

Initial Observations on Design and Content

The website’s design is minimalist, favouring a clean layout over intricate graphics or animations. This approach ensures quick loading times and straightforward navigation. The content is concise, focusing on core services without much embellishment. This might appeal to those who appreciate directness, but for a service that deals with complex financial and planning matters, the lack of detailed content can be a double-edged sword. There’s no sprawling blog, no extensive case studies, and no in-depth articles on the nuances of S106 agreements or viability assessments, which are common features on established consultancy sites.

Understanding the S106 Agreement Context

For anyone unfamiliar, a Section 106 (S106) agreement is a legally binding document between a local planning authority and a developer, often used to make a development proposal acceptable in planning terms. This can include contributions towards affordable housing, infrastructure, or community facilities. Viability assessments are crucial because they determine if a project can deliver these contributions while remaining financially viable for the developer. This involves complex calculations and often traditional financial models that incorporate elements like interest on borrowing. As such, while the service is legitimate in the UK planning context, any client should delve deeply into the underlying financial assumptions to ensure they align with ethical principles that prohibit interest (Riba).

Missing Trust Signals and Information

One of the immediate takeaways is the absence of certain elements that typically build trust and authority online. There are no client testimonials, no published case studies detailing successful project outcomes (beyond general statements about reducing S106 requirements), and no detailed “About Us” section that expands beyond the individual’s credentials. While the individual’s qualifications (honours degree in residential development, 32 years in the sector, MCIOB) are highlighted, the lack of broader context or social proof means potential clients rely solely on these stated credentials. For a business dealing with significant financial implications for developers, more robust trust signals would be beneficial.

S106affordablehousing.co.uk Services Offered

The website clearly outlines the specific services provided by Simon Corp, all centred around the crucial nexus of affordable housing, development, and financial viability. These services are presented directly on the homepage, making it easy for visitors to understand the core offerings. Gatehingesboltslatchesandhandles.co.uk Review

Viability Assessment Reports

This service focuses on providing in-depth viability analysis to support new planning applications. When a developer submits a planning application, especially for larger residential schemes, the local authority will often require a S106 agreement to secure contributions, including affordable housing. A viability assessment report demonstrates whether the proposed contributions are financially feasible for the developer. Without such a report, or if it shows the scheme is unviable, the planning application could be rejected or delayed. The complexity here often involves traditional financial modelling that inherently uses interest rates for discounting cash flows and assessing return on investment.

S106 Agreement Modifications

Developers sometimes find that existing S106 agreements, perhaps signed years ago, have become onerous due to market changes, increased build costs, or unforeseen circumstances. This service assists in applying for modifications to these agreements on viability grounds. This can be critical for unlocking stalled projects or making them profitable again. The process involves re-evaluating the financial model and presenting a compelling case to the planning authority, which again can tie back to traditional financial metrics and interest-based considerations.

Affordable Housing Valuations

This service uses “sector-adopted software” to model the values that Registered Providers (RPs) will pay for affordable housing units. RPs are non-profit organisations or housing associations that acquire, manage, and provide affordable homes. Understanding what RPs are willing to pay is vital for developers to accurately assess the overall value and viability of their scheme. The valuation methodologies used here are typically standard in the UK property sector and might involve benchmarks and discounted cash flow analysis which implicitly, or explicitly, account for interest rates.

Pre-Acquisition Viability Advisory

Before a developer commits to purchasing a piece of land, it’s prudent to assess its potential for development and, critically, the likely level of affordable housing obligations. This service helps evaluate potential developments pre-acquisition, determining the optimal affordable housing levels. This early assessment can save developers significant time and money by avoiding sites that are inherently unviable or carry unexpectedly high S106 burdens. This foresight is valuable, but the underlying financial viability advice should be scrutinised for its adherence to ethical financing principles.

Registered Provider Network Placements

To maximise value, developers often need to sell their affordable housing units to Registered Providers. This service leverages Simon Corp’s “extensive Registered Provider network” to place S106 properties. This helps ensure that the affordable housing units are sold efficiently, contributing to the overall financial success of the development. Access to a robust network can streamline the process, but the terms of these placements and the financial mechanisms behind them should also be transparent. Windsockaviation.co.uk Review

S106affordablehousing.co.uk Ethical Considerations

When evaluating s106affordablehousing.co.uk from an ethical standpoint, particularly within a framework that prioritises responsible and permissible business practices, the core service itself—housing development viability—presents a nuanced challenge. The provision of affordable housing is, on its face, a positive and socially beneficial endeavour. However, the methods by which viability is assessed and achieved in conventional property development often involve financial structures that clash with ethical principles.

The Interplay with Conventional Finance (Riba)

The primary concern lies in the standard financial models used within the property development sector. Viability assessments, by their very nature, involve calculations of profitability, returns on investment, and sensitivity analysis that almost always incorporate interest rates on borrowed capital (Riba) as a fundamental component.

• Interest as a Cost: Developers typically fund land acquisition and construction through conventional loans, which are interest-bearing. A viability consultant would naturally factor in these interest costs when determining if a project can generate sufficient profit after all outgoings, including S106 obligations.
• Discounted Cash Flow (DCF): A common valuation and viability methodology is DCF, which discounts future cash flows back to a present value using a discount rate. This discount rate is often derived from or influenced by market interest rates, reflecting the cost of capital or required rate of return.
• Feasibility and Profitability: The consultant’s role is to ensure a project is “financially viable” and “profitable.” In a conventional system, this profitability is benchmarked against interest-based returns available elsewhere or against the cost of interest-bearing finance.

Absence of Ethical Financing Disclosures

The website makes no mention of ethical or alternative financing methods. This is not surprising for a conventional consultancy, but it means that any developer seeking to operate strictly within ethical financial parameters would need to explicitly raise this concern with Simon Corp. The recommendations provided would likely be based on standard market practices, which implicitly or explicitly rely on interest. This could lead to a situation where a developer, aiming for ethical operations, might be advised on strategies that indirectly facilitate or rely upon interest-based transactions.

Social Benefit vs. Financial Mechanism

While affordable housing development is a commendable social goal, the ethical framework scrutinises not just the outcome but also the process. If the process relies heavily on interest-based finance or valuations derived from such principles, it could be seen as compromising the ethical integrity of the venture. A consultant’s role is to optimise financial outcomes; if the optimal outcome involves maximising leverage through interest-bearing debt, then the consultancy’s recommendations might steer clients towards impermissible avenues.

Due Diligence for Ethical Clients

For any individual or organisation committed to ethical dealings, engaging with s106affordablehousing.co.uk would necessitate rigorous due diligence. Suttonlocksandglazing.co.uk Review

1. Clarify Financial Methodologies: Explicitly inquire about the underlying financial models and assumptions. Do they factor in interest? Can alternative, interest-free financing structures (like those from Islamic banks or equity partnerships) be integrated into the viability assessment?
2. Seek Interest-Free Alternatives: If the core issue is affordable housing development, clients should seek consultants who can work with, or refer to, specialists in Islamic finance or equity-based property development.
3. Focus on Shared Equity/Partnership Models: Promote development models where risk and reward are shared, rather than debt-based financing with fixed interest. This aligns more closely with ethical principles.

In essence, while the service is legitimate in the UK market, its ethical permissibility hinges on the client’s ability to ensure that the advice and solutions provided do not inadvertently lead to or facilitate interest-based transactions. Without explicit offerings or a stated commitment to ethical financing alternatives on the website, this remains a significant area of caution.

S106affordablehousing.co.uk Pros & Cons

When you look at s106affordablehousing.co.uk, it presents a very specific set of advantages and disadvantages. Given our focus on a strict review and ethical considerations, it’s important to weigh these carefully.

Cons (Points of Concern and Areas for Improvement)

• Lack of Transparency on Financial Methodologies: This is arguably the biggest concern. While the site focuses on “viability,” it offers no insight into how viability is assessed financially. Given that conventional development finance heavily relies on interest (Riba), and there’s no mention of ethical or interest-free financial modelling, potential clients operating under ethical principles would need to conduct significant due diligence. The standard tools and software mentioned (“sector-adopted software”) almost certainly integrate interest into their calculations for discounted cash flow and profitability analysis.
• Absence of Social Proof (Testimonials/Case Studies): There are no client testimonials, success stories, or case studies published on the site. While the consultant claims “12 years of proven expertise” and a track record of “reducing s106 requirements to viable levels,” there’s no independent verification or examples of this. For a consultancy dealing with large-scale property development, this is a significant omission that can erode trust.
• Limited Online Presence and Content Depth: The website is very basic. There’s no blog, no detailed articles on S106 complexities, no FAQs, and no free resources. This suggests a minimal online engagement strategy. Modern professional consultancies often use content marketing to demonstrate expertise and build authority, which is missing here.
• Minimal “About Us” Information: While Simon Corp’s credentials (degree, years of experience, MCIOB) are stated, the “About Us” section is very brief. There’s no broader company philosophy, team details (if any), or deeper insight into the values that guide the consultancy.
• Generic Contact Forms: The “Contact” links simply lead to a generic contact form. There’s no direct email address or phone number prominently displayed for immediate contact, which can be frustrating for busy professionals seeking quick communication.
• No Clear Pricing Structure: Understandably, bespoke consultancy services rarely publish fixed prices, but there’s no indication of how fees are structured (e.g., hourly, project-based, retainer) or what factors influence pricing. This can lead to uncertainty for potential clients.
• Reliance on a Sole Trader Model: While low overheads are highlighted as a benefit, relying on a sole trader for critical viability assessments for large developments could raise questions about capacity, continuity, and the breadth of expertise if projects become unusually complex or require rapid turnaround.
• Copyright Date (2025): The copyright states “Copyright © 2025.” While this could be a forward-looking measure, it’s an unusual practice to display a future date and might appear as an oversight or lack of attention to detail for some visitors.

Pros (Potential Strengths)

• Niche Specialisation: The consultancy has a very clear and focused niche: affordable housing and development viability, specifically involving S106 agreements. This specialisation can be a strength as it implies deep expertise in a specific area, rather than being a generalist.
• Stated Expertise and Experience: Simon Corp boasts “12 years of proven expertise” in this specific area and “32 years in the affordable housing sector,” along with an MCIOB qualification. This extensive background suggests a deep understanding of the industry, its regulations, and practical challenges.
• Low Overheads, Potentially Competitive Fees: The website explicitly states, “As a sole trader consultancy with low overheads, we offer competitive fees without compromising on quality.” This could be an attractive proposition for developers looking to manage costs.
• Clear Service Offerings: The five main services are clearly articulated on the homepage, making it easy for a visitor to identify if their needs align with what’s offered.
• Direct and Uncluttered Website: The minimalist design, while lacking depth, is free from distractions, making it easy to find the core information and services quickly.

In summary, while the site signals strong individual expertise and a focused service, the significant lack of financial transparency, social proof, and in-depth content are notable drawbacks, especially for those who prioritise ethical financial dealings in their business ventures.

S106affordablehousing.co.uk vs. Larger Property Consultancies

When you pit s106affordablehousing.co.uk against the established, larger property consultancies in the UK, it’s like comparing a highly specialised artisan workshop to a major industrial factory. Both have their place, but their scale, scope, and operational models are fundamentally different.

Scale and Resource Allocation

Larger consultancies, such as Savills, Knight Frank, or GL Hearn, operate with extensive teams, multiple departments, and significant overheads. They can deploy large project teams, draw upon diverse internal expertise (e.g., planning, valuation, agency, research), and handle multiple complex projects simultaneously. S106affordablehousing.co.uk, being a sole-trader consultancy, inherently has a limited capacity, relying solely on the expertise and bandwidth of Simon Corp. This difference in scale directly impacts project handling capabilities and response times for large, multi-faceted developments. Lucidfiresecurity.co.uk Review

Breadth of Services

Major consultancies typically offer a much broader spectrum of services beyond just S106 viability. They might include:

• Strategic Land Advice: Identifying and securing development opportunities.
• Masterplanning: Large-scale urban design and development frameworks.
• Agency Services: Buying and selling land/property.
• Investment Advisory: Structuring property investment deals.
• Sustainability Consultancy: Advising on environmental aspects.
• Research & Forecasting: Providing market intelligence and future trends.

S106affordablehousing.co.uk is highly specialised in viability assessments related to affordable housing and S106 agreements. While this specialisation can mean deep expertise in that specific niche, it doesn’t offer the ‘one-stop-shop’ convenience that larger firms might provide to developers handling various stages and aspects of a project.

Digital Presence and Authority Building

This is where the contrast is most stark. Larger consultancies invest heavily in their digital presence:

• Comprehensive Websites: Featuring extensive research reports, market insights, blogs, news sections, and detailed service breakdowns.
• Thought Leadership: Regular publications, webinars, and expert commentary on industry trends.
• Case Studies & Testimonials: A vast portfolio of publicised projects and client endorsements to build credibility and trust.
• Professional Branding: Sophisticated brand identity, consistent messaging, and high-quality visuals.

S106affordablehousing.co.uk, as reviewed, has a minimalist website with very limited content, no blog, and no published case studies or testimonials. While functional, it doesn’t project the same level of institutional authority or transparency that a large firm commands through its extensive online content and public relations efforts. This can be a significant factor for developers seeking robust, well-established partners.

Pricing Models and Value Proposition

Larger firms often have structured pricing models that reflect their overheads, brand prestige, and comprehensive service offerings. Their fees might be higher, but they justify it with extensive resources, a broader team, and a perceived lower risk due to their established reputation. Simon Corp, as a sole trader with “low overheads,” explicitly positions itself on competitive fees. This might appeal to smaller developers or those on tighter budgets who need specific viability input without the broader suite of services. However, as noted previously, the lack of transparency on financial methodologies and the absence of ethical financing alternatives remain key considerations. Image-work.co.uk Review

Ethical Compliance and Due Diligence

For ethical clients, engaging with large consultancies or smaller specialist firms requires the same level of due diligence regarding financial mechanisms. Neither typically advertises “interest-free” viability assessments as standard. However, larger firms might have departments or individuals with experience in diverse financial structures, making it potentially easier to find someone within their ranks who can adapt their modelling to ethical finance requirements, though this would need to be explicitly requested and verified. With a sole trader, the personal expertise and willingness of the individual become paramount.

In conclusion, s106affordablehousing.co.uk offers a focused, potentially cost-effective solution for a very specific problem, leveraging individual expertise. Larger consultancies provide a broader, more resourced, and institutionally recognised alternative, albeit typically at a higher cost. The choice between them depends on the specific project’s scale, complexity, budget, and crucially, the client’s commitment to ensuring that all financial aspects of the viability assessment align with ethical principles.

Understanding Development Viability Assessments (DVA)

Development Viability Assessments (DVAs) are pivotal tools in the UK planning system, acting as a bridge between a developer’s financial aspirations and a local authority’s planning objectives, particularly concerning Section 106 (S106) obligations. To truly get a handle on what s106affordablehousing.co.uk offers, you need to understand the nuts and bolts of a DVA.

What is a Development Viability Assessment?

At its core, a DVA is a financial appraisal that determines if a proposed development can deliver its planning obligations (like affordable housing, infrastructure contributions, etc.) while still providing a reasonable return for the developer. It’s essentially a balancing act to ensure that development is not stifled by excessive burdens, yet critical public benefits are secured.

Key Components of a DVA

A comprehensive DVA typically involves the following inputs and calculations: Instrmnt.co.uk Review

1. Gross Development Value (GDV): This is the projected total sales value of all units (residential, commercial, retail) once the development is complete. Valuers assess this based on market conditions, property type, and location.
2. Build Costs: All costs associated with construction, including materials, labour, preliminaries, contingency, and professional fees (architects, engineers, project managers).
3. Abnormal Costs: Site-specific costs that aren’t typical, such as decontamination, complex foundations, or retaining walls.
4. Developer’s Profit: The return a developer expects to make on the project. This is usually expressed as a percentage of GDV or total costs and is crucial for attracting investment. It’s here that the use of conventional interest-based models for measuring return becomes prominent.
5. Land Value: The value of the land. This is often determined as a residual value after deducting all development costs and the developer’s profit from the GDV.
6. Finance Costs: This is a critical component and often a major ethical concern. It includes the cost of borrowing money for land acquisition and construction. In conventional finance, this is interest (Riba). The duration of the project, interest rates, and loan structures all feed into this.
7. S106 Contributions: The required contributions to local infrastructure, affordable housing, public open space, etc.
8. Other Costs: Planning fees, marketing and sales costs, legal fees, warranty costs, etc.

The DVA Process

1. Initial Appraisal: A preliminary assessment to quickly gauge the potential viability.
2. Detailed Assessment: In-depth analysis involving granular cost breakdowns, market research for GDV, and detailed financial modelling. This is often where specialist consultants like Simon Corp come in.
3. Negotiation with Local Authority: If the DVA indicates that the S106 obligations make the scheme unviable, the developer will use the report to negotiate a reduction in these obligations.
4. Review and Challenge: Local authorities often have their own viability consultants to review and challenge the developer’s DVA. This can lead to protracted negotiations.

The Role of Viability Consultants

Consultants like Simon Corp play a vital role by:

• Preparing Robust Reports: Crafting detailed, evidence-based viability reports that stand up to scrutiny from local authorities.
• Expert Witness: Providing expert opinion and supporting the developer’s case during negotiations or appeals.
• Strategic Advice: Guiding developers on how to structure schemes to maximise viability while meeting planning requirements.
• Market Insight: Leveraging their knowledge of market values (for GDV) and typical costs (build costs, finance costs) to produce accurate assessments.

Ethical Concerns in DVA

As previously highlighted, the standard DVA framework in the UK is deeply intertwined with conventional finance. The concept of ‘developer’s profit’ and ‘finance costs’ are almost universally benchmarked against or calculated using interest-based metrics. While a DVA is a technical planning tool, ethical clients must be acutely aware that:

• Implicit Riba: Even if a developer uses ethical, interest-free financing (e.g., Musharakah or Murabaha for property finance), a DVA prepared using standard industry software and assumptions will still calculate the ‘cost of finance’ as if it were interest-bearing. This means the language and metrics of the report will be Riba-based, even if the client’s actual funding isn’t.
• Negotiation Leverage: If a DVA shows a scheme is unviable due to high S106 obligations, the argument for reducing these is often predicated on the developer not achieving a ‘reasonable return’ – a return that is typically benchmarked against interest-bearing investment opportunities.
• Seeking Halal Alternatives: For clients committed to ethical principles, the goal is to engage consultants who understand the need to model viability using Sharia-compliant financial constructs, or at least acknowledge and help articulate the project’s viability from an equity-based, risk-sharing perspective rather than a debt-and-interest perspective. This is a niche expertise not commonly advertised by conventional DVA consultancies.

In summary, a DVA is an essential, highly technical process for property development in the UK. While s106affordablehousing.co.uk offers expertise in this area, clients with ethical financial principles must approach with caution and ensure that the advice and financial models align with their values, requiring explicit discussions beyond what’s presented on the website.

How to Engage S106affordablehousing.co.uk (and What to Ask)

If you’re considering engaging a consultancy like Simon Corp for your development viability needs, particularly after reviewing their concise website, it’s crucial to approach the engagement process with a clear set of questions. This is especially true for those who need to ensure ethical alignment in all business dealings. Given the minimalist online presence, direct communication is your best tool.

Initial Contact and What to Expect

The website provides multiple “Contact” links which lead to a simple contact form. Fill this out with a brief overview of your project and your specific needs (e.g., “seeking S106 viability assessment for a residential scheme in [Location]”). Warmwellcaravanpark.co.uk Review

• Expect: A response, likely via email or phone, from Simon Corp directly. Being a sole trader, the communication will be personal and direct.
• Don’t Expect: An automated booking system, immediate online quotes, or an extensive intake questionnaire.

Key Questions to Ask During Your Initial Discussion

Once you’re in direct communication, this is your opportunity to dig deeper beyond what’s presented on the website. These questions are vital for any client, but especially for those prioritising ethical financial practices:

1. Methodology and Financial Modelling:

   • “Could you briefly explain the core financial model you use for viability assessments? What software do you typically use?”
   • “How do you calculate the ‘developer’s profit’ and ‘finance costs’ within your models? What benchmarks or interest rates do you typically apply for finance costs?”
   • Crucial Ethical Question: “We operate under principles that prohibit interest (Riba). How flexible are your models in reflecting alternative, interest-free financing structures, such as equity partnerships or Islamic finance arrangements? Can you model project viability without including conventional interest expenses, or can you work with our Islamic finance provider to integrate their cost of capital?”
   • “What are your assumptions regarding residual land value and how does that interact with the overall viability?”

2. Experience and Case Studies:

   • “While your website mentions 12 years of expertise, could you share anonymised examples or brief case studies of projects where you successfully reduced S106 obligations or clarified viability for clients?” (Understand that sensitive project data may not be shared, but look for general insights into their approach and success.)
   • “Have you worked on projects similar in scale or complexity to ours ([briefly describe your project])?”
   • Ethical Insight Question: “Have you ever advised clients who specifically required ethical or Sharia-compliant financial structuring for their developments, and how did you approach the viability assessment in those cases?”

3. Process and Deliverables:

   • “What is your typical process for a viability assessment, from initial engagement to final report submission?”
   • “What deliverables can we expect? (e.g., detailed report, executive summary, presentation, support during council negotiations).”
   • “What is your estimated timeline for completing a viability report for a project of our nature?”

4. Fees and Engagement Terms: Greensplumbing-heating.co.uk Review

   • “How do you structure your fees for viability assessments (e.g., fixed fee per project, hourly rate, retainer)? What factors influence the final cost?”
   • “What are your payment terms?”
   • “What is your availability to take on new projects?”

5. Professional Indemnity and Regulation:

   • “Are you covered by Professional Indemnity (PI) insurance, and what is the typical limit of your cover?” (Essential for any professional consultancy.)
   • “As an MCIOB, are there any specific professional conduct guidelines that apply to your work?”

Evaluating the Response

Pay close attention not just to the answers, but how they are delivered. A clear, confident, and transparent response, particularly regarding the ethical financial aspects, is a strong positive signal. If there is hesitation or an inability to discuss modelling without conventional interest, that’s a key indicator of potential misalignment for ethical clients.

Ultimately, engaging s106affordablehousing.co.uk requires a proactive approach from the client to bridge the information gap left by the concise website. By asking pointed questions, especially concerning the ethical implications of financial modelling, you can determine if Simon Corp is the right partner for your project and if their services can truly align with your specific values and requirements.

How to Conduct Due Diligence on S106affordablehousing.co.uk

Before you commit to working with any consultant, especially one operating as a sole trader in a critical financial area like development viability, thorough due diligence is paramount. This isn’t about being suspicious; it’s about being diligent and responsible, ensuring you’re partnering with a credible and reliable expert. For those with ethical considerations, this process is even more critical.

1. Verify Credentials and Professional Standing

• MCIOB Verification: Simon Corp states an MCIOB qualification (Member of the Chartered Institute of Building). You can verify this by checking the CIOB’s professional directory or contacting the CIOB directly. This ensures the individual is a genuine member and adheres to their professional standards and code of conduct.
  • Action: Visit the CIOB website or contact their membership department for verification.
• Educational Background: An “honours degree in residential development” is mentioned. While harder to verify precisely without personal details, it contributes to the overall picture of expertise.
• Years of Experience: “32 years in the affordable housing sector” and “12 years of proven expertise” are significant. While difficult to independently verify exact durations, looking for related experience during broader searches can offer some corroboration.

2. Search for Online Footprint and Reputation

• LinkedIn Profile: Search for “Simon Corp” or the named individual on LinkedIn. A professional LinkedIn profile would typically show their career history, endorsements, recommendations, and connections. This can offer valuable insights into their network and professional activities.
• Company House Records: While Simon Corp appears to be a sole trader, it’s worth checking Companies House if there’s any indication of a registered company name. This would confirm legal registration, filing history, and directorships.
  • Action: Visit Companies House and search by name.
• Industry Forums and Publications: Search relevant property development, planning, or affordable housing forums, news articles, or publications to see if Simon Corp (or the individual) has been mentioned, quoted, or contributed. This can highlight their reputation within the sector.
• General Web Search: Conduct broad Google searches for “Simon Corp Housing Viability Consultant,” “s106affordablehousing.co.uk reviews,” or the individual’s name. Look for any public information, articles, or reviews (though for such a niche service, public reviews might be scarce).

3. Request References (if appropriate)

While smaller consultancies might not have a formal list of references on their website, if your project is significant, it is entirely reasonable to ask for professional references from past clients who can speak to the consultant’s work quality, reliability, and communication. Premiercarbonlessheating1985.co.uk Review

• Action: During initial discussions, ask if they can provide contact details for 1-2 past clients (with their permission, of course) who can vouch for their services.

4. Scrutinise Professional Indemnity (PI) Insurance

Any professional consultant should carry Professional Indemnity (PI) insurance to cover potential claims arising from errors or omissions in their advice. This is crucial for protecting your interests.

• Action: Ask for confirmation of their PI insurance cover, including the insurer and the level of cover.

5. Deep Dive into Financial Ethical Alignment

This is where your diligence as an ethical client must be rigorous.

• Explicitly Discuss Riba/Interest: As covered in the “How to Engage” section, ensure you have a very direct conversation about how financial viability is modelled without incorporating conventional interest. Ask if they have experience with Islamic finance principles or are willing to learn and adapt their models.
• Review Sample Report Elements: If possible, ask for a redacted (confidential information removed) sample of a generic viability report they have produced. This can give you an idea of the structure, level of detail, and financial metrics used. Pay close attention to sections on finance costs and developer’s return.
• Consult Ethical Finance Experts: If Simon Corp cannot fully address your ethical finance concerns, consider engaging an Islamic finance consultant or a Takaful provider (Islamic insurance) to review the proposed financial structure of your project and how the viability assessment aligns with it.
  • Action: Consider involving a third-party ethical finance expert (e.g., from Al Rayan Bank or a dedicated Islamic finance advisory firm) to vet the financial aspects of the DVA process.

By systematically conducting these due diligence steps, you can gain a comprehensive understanding of Simon Corp’s professional standing, capabilities, and critically, their willingness and ability to align their services with your ethical financial requirements.

The Future of Affordable Housing & Ethical Development

The landscape of affordable housing and development is constantly evolving, driven by demographic shifts, economic pressures, and increasing demands for sustainability and ethical practices. For consultancies like Simon Corp, and indeed the broader property sector, understanding these future trends and adapting to them will be key for continued relevance and impact. Moreover, for those committed to ethical development, these trends present both challenges and opportunities to embed principled approaches more deeply.

Emerging Trends in Affordable Housing

1. Modular and Offsite Construction: Increasingly seen as a solution to speed up delivery and reduce costs. Modular homes can be built faster and with less waste, potentially making affordable housing schemes more viable. This method aligns well with principles of efficiency and resourcefulness.
2. Increased Focus on Regeneration: Rather than solely focusing on greenfield sites, there’s a growing emphasis on redeveloping existing urban areas, repurposing commercial buildings, and regenerating brownfield sites. This approach often involves more complex viability assessments but can breathe new life into communities.
3. Digitalisation of Planning and Construction: Tools like Building Information Modelling (BIM), digital twins, and AI-powered analytics are becoming more prevalent. These can streamline planning applications, improve project management, and refine viability calculations through more accurate data.
4. Sustainability and Net Zero Targets: New developments are facing increasingly stringent environmental performance requirements. Achieving Net Zero Carbon targets for housing will impact build costs and design, necessitating new approaches to viability modelling. This aligns perfectly with ethical principles of stewardship and environmental responsibility.
5. Community-Led Housing and Self-Build: Growing interest in models where communities have more control over the housing delivered, or where individuals build their own homes. These often require different types of viability support and may involve different funding mechanisms.
6. “Affordable” Beyond Rent/Purchase: The concept of affordability is expanding to include living costs (energy, transport), access to services, and community well-being, moving beyond just the initial housing cost.

The Role of Ethical Development

For individuals and organisations committed to ethical principles, these trends offer opportunities to push for development that is not only financially viable but also socially just and environmentally responsible, all while adhering to permissible financial practices. Getpresto.co.uk Review

• Sharia-Compliant Finance Integration: The growing awareness and demand for Islamic finance in the UK means that property professionals and consultants will increasingly need to understand and incorporate Sharia-compliant financing models (e.g., Ijarah, Murabaha, Musharakah) into their viability assessments. This moves away from interest-based debt towards asset-backed, risk-sharing partnerships.
  • Data Point: The UK Islamic finance sector is growing, with Islamic banks holding significant assets. According to TheCityUK, the UK is a leading Western hub for Islamic finance, with over $5 billion in Sharia-compliant assets under management. This indicates a growing market that requires relevant expertise.
• Focus on Social Impact Investing: Ethical development prioritises not just profit but also positive social and environmental impact. This means assessing projects not just on financial return but on how they benefit the community, provide truly affordable and sustainable homes, and foster inclusive growth. Viability assessments could broaden to include “social value” metrics.
• Transparency and Fair Dealings: Ethical development emphasises clear, transparent processes and fair dealings with all stakeholders – landowners, developers, local authorities, and future residents. This means clear communication in viability reports and negotiations.
• Responsible Resource Use: Aligning with environmental sustainability, ethical developers focus on using resources responsibly, minimising waste, and building for longevity. This means considering life-cycle costs and environmental impacts within viability calculations.

Adapting for the Future

For consultancies, adapting means:

• Upskilling in Ethical Finance: Developing expertise in Sharia-compliant property finance and alternative funding models. This could open up a significant niche market.
• Broader Viability Metrics: Incorporating social and environmental benefits into viability assessments, beyond just financial returns.
• Digital Proficiency: Leveraging new technologies to enhance the accuracy and efficiency of assessments.
• Collaborative Models: Engaging more closely with community groups, ethical investors, and sustainability experts.

The future of affordable housing demands a holistic approach that balances financial viability with social responsibility and environmental stewardship. For ethical developers, this means actively seeking out consultants who can navigate these complexities while upholding core principles, ensuring that prosperity is pursued in a permissible and beneficial manner for all.

FAQ

What is s106affordablehousing.co.uk?

s106affordablehousing.co.uk is the website for Simon Corp, a sole trader consultancy specialising in affordable housing and general development viability assessments in the UK.

Is s106affordablehousing.co.uk a legitimate business?

Yes, based on the website’s presentation and stated credentials, it appears to be a legitimate consultancy service run by an individual with stated extensive experience in the sector.

What services does Simon Corp offer?

Simon Corp offers Viability Assessment Reports, S106 Agreement Modifications, Affordable Housing Valuations, Pre-Acquisition Viability Advisory, and Registered Provider Network Placements. Memorialprint.co.uk Review

Who is Simon Corp?

Simon Corp is the individual behind s106affordablehousing.co.uk, stated to have an honours degree in residential development, 32 years of experience in the affordable housing sector, and an MCIOB qualification.

What is an S106 Agreement?

An S106 (Section 106) Agreement is a legally binding document between a local planning authority and a developer, used to secure contributions (like affordable housing or infrastructure) that make a development proposal acceptable in planning terms.

What is a Development Viability Assessment?

A Development Viability Assessment (DVA) is a financial appraisal to determine if a proposed development can deliver its planning obligations (including S106 contributions) while still providing a reasonable return for the developer.

Does the website provide client testimonials or case studies?

No, the website does not feature any client testimonials, success stories, or specific case studies of past projects.

Is there a blog or resources section on s106affordablehousing.co.uk?

No, the website is minimalist and does not include a blog, articles, or a dedicated resources section beyond the service descriptions. Naturaldogsdirect.co.uk Review

How transparent is s106affordablehousing.co.uk about its pricing?

The website states that it offers “competitive fees” due to low overheads but does not provide specific pricing structures or rates for its services.

What are the ethical considerations when using viability assessment services?

A key ethical consideration is how financial viability is modelled. Standard industry practices often include interest-based finance costs (Riba) and benchmarks for developer profit, which may conflict with ethical financial principles. Clients committed to ethical dealings should discuss this explicitly.

How can I contact s106affordablehousing.co.uk?

You can contact s106affordablehousing.co.uk through the contact form available via the “Contact” links on the website.

Does Simon Corp have professional indemnity insurance?

The website does not explicitly state this, but it is a crucial question to ask during initial discussions to ensure professional coverage.

What does MCIOB mean?

MCIOB stands for Member of the Chartered Institute of Building, indicating a recognised professional qualification in the construction and building industry. Shopamazeballs.co.uk Review

Are there any alternatives to s106affordablehousing.co.uk for ethical development?

Yes, alternatives include ethical financial institutions like Al Rayan Bank or Gatehouse Bank for Sharia-compliant finance, or seeking out RICS professionals who can work within ethical financial frameworks.

Can development viability assessments be done ethically (without Riba)?

Yes, it is possible, but it requires explicit discussion with the consultant to ensure that financial models do not incorporate interest-based calculations and instead focus on equity-based or risk-sharing models consistent with ethical principles.

What should I ask Simon Corp regarding ethical finance?

You should ask about the underlying financial models, how finance costs are calculated, and if they can adapt their assessments to reflect interest-free financing structures used by ethical developers or Islamic finance providers.

How does Simon Corp compare to larger consultancies?

Simon Corp is a sole trader with a highly specialised niche, potentially offering competitive fees due to low overheads. Larger consultancies generally offer a broader range of services, larger teams, and extensive digital resources, but typically at a higher cost.

What is the copyright date on the website?

The website shows a copyright date of “© 2025,” which is unusual as it is a future date. Qasiminternational.co.uk Review

Does s106affordablehousing.co.uk offer free consultations?

The website does not explicitly state this, but initial discussions to assess project suitability are common practice for consultancies. It’s best to inquire directly.

What are Registered Providers in affordable housing?

Registered Providers (RPs) are non-profit organisations or housing associations that acquire, manage, and provide affordable homes in the UK. Simon Corp offers services to help place S106 properties with RPs.