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Registered Office: The Charity Bank Limited, Fosse House, 182 High Street, Tonbridge, TN9 1BE. Company registered in England and Wales No. 4330018. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No. 207701. Member of the Financial Services Compensation Scheme (FSCS).

Community-Led Housing: Your Guide To The Loan Process

While community-led housing projects can sometimes attract grant-funding and community shares, most schemes will need to take out a loan to cover at least part of the work. This can feel a bit daunting, particularly if many of your team are volunteers and you’ve never taken out a loan of this type before. Please be assured that social lenders such as Charity Bank are here to support you every step of the way.

If you’re just starting your journey towards securing a loan, this guide is a good place to start. It gives an overview of each step in the process, answers common questions and offers tips for making your journey as smooth as possible. We also share success stories from some Community-Led Housing organisations that have used loan finance to support their projects.


About the author


Director of Lending Carolyn Sims 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. In between, Carolyn worked briefly for the Charities Aid Foundation (CAF) as a business development manager. Carolyn is a trustee of an almshouse and a development trust, the treasurer of the local branch Pony Club, and treasurer of a small funding advice charity.


About Charity Bank


Charity Bank is the loans and savings bank owned by and committed to supporting the social sector. Since 2002, we have used our savers’ money to make more than 1,000 loans totalling over £350m to housing, education, social care, community and other social purpose organisations.


Important information


Loan applications are subject to credit assessment. This does not affect your credit score. We may seek to recover any property or assets provided as security if you do not keep up repayments on your loan. Nothing in this publication constitutes advice or a recommendation. Rates depend on individual/business circumstances.

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