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Borrowing

LOAN SUPPORT THAT RECONNECTS RELIGIOUS COMMUNITIES

Loan finance to help faith groups get a building project off the ground and open the doors to your community.

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Bring your vision to life

Whether you are planning to buy, build, redevelop or refurbish a property, or to acquire and develop land assets, we’re here to help.

Securing financial support for your church or faith group project can be difficult, if the lender does not understand your vision.

At CAF Bank, we share a common purpose with the organisations we work with – to amplify the power of good.

Our charity finance expertise and years of experience supporting causes like yours means that we know the right questions to ask. So we can help you consider if loan finance is a suitable option to fund your project.

Our flexible loans are tailored for UK-based churches, religious groups, charities and other not-for-profit organisations.

Here’s what we offer

  • Secured loans for land and property purchase, redevelopment, restoration and refurbishment projects
  • Refinancing of existing debt
  • Loan amounts of between £150,000 and £5m
  • Repayment terms over 2-25 years
  • Support of a dedicated relationship manager
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What is a secured loan?

A secured loan is a loan backed by an asset your church or faith group owns. This could be a church property, for example. The asset is used as payment if you're unable to pay back the loan.

Amplify the power of good

More than 14,000 charitable organisations use our banking, deposit account and lending services. The reason: we understand charity finance like nobody else and we share your values.

Owned by major UK charity the Charities Aid Foundation, our profits are reinvested to support the charity sector. We take time to understand your finances, governance, business plan and vision.

Crucially, by focusing on the heartbeat of your project – its impact on your congregation and beneficiaries – we help you to build a stronger community.

In good company

Take a look at some of the projects we have supported.

Church congregation singing

Vibrant church and community hub

How we helped a church to secure its much-loved space for a rapidly growing congregation.

Read the church's story
Opening of Waypoint Church's new building

Leading the way in lockdown

A forward thinking church has adapted its new building to support people in isolation during the Covid-19 outbreak.

Read Waypoint Church's story
Entrance to St John

Cornerstone for the community

A thriving Edinburgh church has opened the doors to a welcoming new community hub.

Read St John's story

We’re here to help

Our experienced team is on-hand to help with any loan finance questions you have.

Get in touch

Useful resources

Could a loan help your charity thrive?


How repayable finance could help you to deliver your charity’s future plans.

Loan finance - Questions to consider


Our handy checklist will help you decide if a loan could be right for your charity.

Planning a building development?


Our free guides on repayable finance options and building projects are a good place to start.

Meet the experts

Richard Hunt

Richard Hunt

Head of Customer & Lending

Richard leads CAF Bank’s Customer and Lending team, which helps charities and Housing Associations access loan finance to deliver their goals. He is proud of the team’s support for social housing providers, to develop properties which make a real difference for the lives of residents and wider communities.

As well as combining experience in banking and education finance, Richard is an active volunteer and a trustee of two charities.

David Brown

David Brown

Head of Portfolio & Direct Lending
David has worked in the financial and third sectors for over 30 years. He has developed many charity and individual customer relationships over this time – and has experience in everything from managing successful teams to volunteering.

Find out more about David
Joe Hehir

Joe Hehir

Relationship Director

Joe helps charities, co-operatives, and other not-for-profit organisations compare the suitability of loan finance alongside other funding options, to further their objectives.

As an experienced Lending Manager, Joe has assisted many faith-based charities to buy, build or extend their new or existing buildings. Joe has also supported churches with loans to purchase new homes for church pastors, vicars and priests.     

A former trustee, Joe has worked in the banking and charity sectors for over thirty years.

CAF Bank loans are non-regulated products.

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

Charity 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're 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.