Sarah Milne, CEO of Property Box Finance reflects on the industry and how it is changing for women.

Next week’s Spring Forecast isn’t designed to be a headline-grabbing Budget. It’s an economic and fiscal update, with major tax and spending decisions expected later in the autumn. That said, it still matters.

It often gets mentioned late in the process but it can be most useful when considered as part of the funding stack. It sits between senior debt and developer equity, helping schemes move forward without tying up all available capital.

January painted a clear picture for the Property Box Finance team: almost 1,000 units and £384m GDV came through with real funding gaps attached. These won’t all turn into live deals but collectively they tell a very real story about developer pressure and lender behaviour.

In our first ‘meet the team’ Q&A, Scott Arnot talks deal flow, what he looks for early, why sales can slow strong schemes and what developers need right now.

A practical guide for UK residential developers on funding gaps, senior debt limits, risk management and when mezzanine is the right fit.