Social Housing Loans
If you’re looking for a loan to help fund your housing project, you’re in the right place.
Our mission is to support your mission
We offer loans to small, medium and large organisations where the loan is being used for a social purpose.
Supporting the social sector for over 20 years
Since 2002, we have used our savers’ money to make more than 1,280 loans totalling over £500m to housing, education, social care, community and other social purpose organisations.
We lend to charities, social enterprises and organisations tackling social and environmental issues and shape our terms and repayment schedules around their needs.
Why Charity Bank?
We’re more than just an ethical bank. For over 20 years, we’ve created positive social change in everything we do. All our shareholders are charities and social impact investors.
All our borrowers are delivering social impact. And every loan, deposit and investment helps drive real change for people, communities and the planet – now, and for the long term.
Our Loans
Loans up to £500k
Loans up to £500k:
- Specialist support from our Social Investment Solutions team
- Secured lending up to 70%
- Loans starting at £100,000
Loans over £500k
Loans over £500k:
- Dedicated support from our Impact Lending team
- Secured lending up to 70%
- Charity and social sector specialist
Green Loans
Green Loans:
- Dedicated environmental product
- Secured lending up to 70%
- Loans starting at £100,000
Development Finance
Development Finance:
- Expertise in development and construction projects
- Secured lending up to 70%
- Housing and non-housing projects considered
Why work with us?
93%
of our borrowers agree
Charity Bank understands charities and social enterprises
89%
of our Borrowers agree
Charity Bank is part of the social sector
96%
of our borrowers agree
their Charity Bank loan contributed towards helping deliver their mission
Meet our Lending Team
You’ll get to know our Regional Managers specialising in Housing. They’ll take the time to meet you and tailor our loans to suit your financial need and social aims.
Carolyn Sims
She/Her
Director of Impact Lending
Carolyn is Director of Lending at Charity Bank. She joined Charity Bank in 2005 having previously worked for a European Bank in the city, where she established and managed their social housing loan book, growing it to over £1bn. Carolyn is a trustee of two Almshouses and a Director of Almshouse Consortium Ltd. She is Chair of Postcode Lottery Innovation Trust as well Maidstone Grammar School for Girls Development Trust.
“I love working for Charity Bank in a frontline role. I spend my time meeting and talking with people, trying to help them with their funding needs and witnessing the social impact delivered.”
Wesley Lovett
Senior Lending Manager
“My role is to help support the growth and expansion of organisations who are looking to deliver social impact and positive change throughout the Midlands.
I am looking forward to building relationships with new and existing clients and helping Charity Bank support more organisations with the funding they need to make the world a better place.”
Joining Charity Bank as Senior Lending Manager covering the Midlands, Wesley has 19 years’ experience in the Banking and Finance sector. During that time Wesley has covered Retail, Operational and Business Banking.
“Having previously worked for a Social Impact Lender I have seen first-hand the benefits of supporting organisations and helping them do good in their local communities.
Outside of work I spend my free time with my wife and Dexter, my 12-year-old, young-at-heart Jack Russel Terrier. We enjoy walking, kayaking and cycling.”
Jeremy Ince
He/Him
Senior Impact Lending Manager
Jeremy joined Charity Bank in 2011. His role is to work with clients, helping them to evaluate the risks associated with loan finance, providing guidance and support throughout the loan application process and on an ongoing basis thereafter.
“During my time working at Charity Bank I have helped clients access in excess of £100m in Social Finance. It has been incredibly rewarding to see how this additional funding has helped them grow impact, income and support long term sustainability.”
Adam Ruffinato
He/Him
Head of Structured Finance
With over 20 years commercial lending experience, Adam has worked in the Ethical Banking sector for over 15 of those years. He specialises in Property Development and Syndicated Finance as well as our larger and more complex loans.
“Working with Charity Bank allows me to use my skills and experience to help our borrower deliver positive social impact and real social change.”
Discuss a loan
Talk us through what you need by filling in our easy step-by-step loan form and this will give us all the information we need to give you a call back to discuss your loan.
Discuss A Loan
FAQs
Who do you lend to?
We only lend to organisations based in the UK. We lend to most organisations that have a social purpose and can repay the required loan.
What can I use the loan for?
A loan can be used for any legal purpose which supports the social objectives of the organisation. The loan purpose will be agreed and approved as part of the application process; should circumstances change, the borrower must let us know and any adjustments will need to be agreed.