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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).

Is Moving From Renting To Owning The Right Step For Your Charity Or Social Enterprise?


Many charities and social enterprises rent their building when they first start out. Doing so can seem like a safer option in those early growth stages. But once an organisation is established, it can make sense to invest in its future.


In the right circumstances, purchasing a property can offer significant financial advantages:

  • Many organisations find that mortgage/loan repayments are less than their rent payments
  • It can also mean that you have an asset you can safely include in your long-term strategies, and which can open up huge possibilities for growth
  • It gives you the flexibility of using the building as you see fit, so you can adapt to your organisation’s changing needs and those of the communities you serve
  • You may even be able to expand your reach or diversify your income streams


Whether you’re ready to purchase a property now or just looking to get more information, this guide can help you decide. You will hear from people who have already taken the plunge and learn what benefits they have experienced, and what suggestions they have to offer.


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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