The next stage of development of the tidal stream industry will see a focus on the deployment of tidal turbines in arrays of increasing device numbers and rated power. Successful array development requires a thorough understanding of the resource within potential deployment sites. This is predictable in terms of flow speeds, based upon tidal constituents. However, the operating environment for the turbine is more complex than the turbine experiencing a uniform flow, with turbulence, shear and wave conditions all affecting the loading on the turbine components. This study establishes the accuracy with which several alternative modelling tools predict the resource characteristics which define unsteady loading-velocity shear, turbulence and waves-and assesses the impact of the model choice on predicted damage equivalent loads. In addition, the predictions of turbulence are compared to a higher fidelity model and the occurrence of flow speeds to a Delft3D model for currents and waves. These models have been run for a specific tidal site, the Raz Blanchard, one of the major tidal stream sites in European waters. The measured resource and predicted loading are established using data collected in a recent deployment of acoustic Doppler current profilers (ADCPs) as part of the Interreg TIGER project. The conditions are measured at three locations across the site, with transverse spacing of 145.7 m and 59.3 m between each device. Turbine fatigue loading is assessed using measurements and model predictions based on an unsteady blade element momentum model applied to near-surface and near-bed deployment positions. As well as across-site spatial variation of loading, the through life loading over a 5-year period results in an 8% difference to measured loads for a near-surface turbine, using conditions purely defined from a resource model and to within 3% when using a combination of modelled shear with measured turbulence characteristics.