Personal banking


We offer flexible loans to experienced residential property professionals to help with property purchase and development.

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We offer straightforward purchase loans to help you secure your project, and development loans to make that project a reality.

The loans are:

  • designed for experienced residential property professionals
  • available to individuals and UK incorporated entities
  • ideally secured on projects in London and the South East


Developing property

Ground-up development of single and multiple units, or permitted development schemes

Converting a property

Bespoke conversions such as barns, flats and houses

Refurbishing property

Heavy or light refurbishments; let us know what you need


We’ll lend on:

  • Light/heavy refurbishment projects.
  • Permitted development schemes.
  • Ground-up developments of single and multiple units.
  • Bespoke conversions such as barns and churches.
  • Loans up to 65% of purchase price and 100% of build costs. Subject to a maximum 75% Loan to Cost and 65% Loan to GDV.
  • Loans up to £2m per project, including rolled interest (max. £3.5m in total per client).
  • Initial loan term of two years or less.
  • No exit fee if the loan is in place for more than six months.


We’ve made our application process straightforward, and getting things underway is as simple as starting a conversation.

We’re keen to talk to you now if you’re in the process of securing finance for a project. Contacting us is confidential and obligation-free.

Every customer and project is different, but here’s an overview of what to expect:

1 Initial enquiry

Get in touch with us and we’ll have an initial discussion about your needs.

2 First thoughts

We’ll ask for some financial documents and get to know you and your project better. Then we’ll agree the best way to proceed.

3 Meeting up

We’ll meet with you to discuss your needs and requirements, understand the risks involved and answer any questions you may have. Following this we’ll send you a proposal.

4 Approval

If you’re happy with the proposal, we’ll start the formal credit approval of the loan. If successful, you’ll be sent the loan documents to you for approval.

General conditions

We’ll need:

  • a full market valuation and development appraisal by a surveyor on the Bank's panel
  • a first legal charge over the development property
  • repayment from the sale or refinance of the development properties, with full net sale proceeds to be used in permanent debt reduction
  • a director’s/shareholder’s full personal guarantee when lending to an incorporated entity
  • a debenture over the company when lending to an incorporated entity

In some situations, we may need:

  • collateral warranties
  • NHBC guarantee or equivalent
  • to appoint an independent monitoring surveyor to monitor the development and certify staged payments
  • step in rights to the build contract


We offer competitive interest rates.

Our fees will depend on the complexity of your application. This will be agreed with you as part of the process.

A one-off arrangement fee is payable.

Doing your bit for charity

* One third of the arrangement fee paid to CAF Bank can be transferred into a CAF Charity Account. These funds will be available for you to donate to charities of your choice.

Typical costs

Interest rate
Between 5-7% above Bank of England Base Rate
One-off arrangement fee 1.5%*             
Exit fee
1% in first six months. No exit fee if the loan is in place for more than six months
Solicitor's fees
Typically £2,650 + VAT and disbursements
Your solicitor's fees
These vary depending on your solicitor. We recommend requesting a fixed price for peace of mind
Valuation fees
These vary but are charged per property.

Want to know more?


Our dedicated team is ready to answer your questions to help you get the ball rolling.

Contact the team


Smart, simple and tax-effective giving

With a CAF Charity Account you can put money aside to donate to any registered charity, at any time. We show you how.

Three steps to making the most of your giving

Giving should be rewarding for you and the charities you support. With a bit of planning, your philanthropy can create the impact you want.

Meet the team

An introduction to our team, who have a wealth of expertise helping generous people like you


We offer a range of products and services to help you get the most out of giving.

Personal banking

We offer a personal banking service for your everyday banking needs and more

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CAF Charity Account

You put a little aside when you have it, to support your favourite causes whenever you want.

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Support our new initiative to help small and medium UK charities grow more resilient.

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Make the most of your giving if you pay tax in the UK and US.

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CAF Bank loans are non-regulated products.

Loan applications subject to credit assessment. Security will be required.

Your personal or company’s assets may be at risk if you do not keep up with the repayments for a mortgage, loan or any other debt secured on them.

If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the term of the debt and increasing the total amount you pay.

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204451).

CAF Bank Limited Registered office is 25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4JQ. Registered in England and Wales under number 1837656.