UK Housing Market Update – April 2025

A recent report by the Home Builders Federation estimates that local authorities currently hold over £6bn of unspent Section 106 developer contributions.

Section 106 (S106) agreements are a vital part of the planning process, enabling local authorities to secure funding from developers for necessary infrastructure and community benefits. However, what many developers don’t realise is that some of these contributions can actually be repayable – particularly when funds remain unspent by the local authority after a defined period.

According to a 2024 report by the Home Builders Federation*, more than £6 billion in S106 contributions are currently sitting unspent across the UK. These funds, if not used in accordance with the terms of the original agreement, may be eligible for repayment to the developer. This represents a significant opportunity to recover lost capital; but identifying and reclaiming those funds requires time, expertise, and a deep understanding of the complex landscape surrounding S106 agreements.

That’s where Brookbanks comes in. With their specialist knowledge and a proven process, Brookbanks takes the hassle out of the equation. They’ll review your S106 agreements in detail, manage the administration, liaise with local authorities, and work sensitively and diplomatically to recover any unspent contributions that may rightfully be returned to you.

*Unspent developer contributions

How can Brookbanks help?

S106 Agreements Review
Work with local Authorities

Reclaiming these funds can boost your cash flow, support reinvestment in new projects, and improve your overall financial efficiency. It’s an opportunity many developers overlook — but it could deliver real value back to your business.

If you suspect your projects may be tied to unspent S106 contributions, it’s worth a conversation. Reach out to Ben Wakeling, Commercial Director at Brookbanks, at ben.wakeling@brookbanks.com or call 07506 039641 to start the process.

Let Brookbanks help you unlock hidden value.

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