Social housing finance


Our expert team has vast experience of lending to social housing providers. With support that stretches beyond banking, we’re here to help you build affordable homes and communities.

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Make more of your assets

Our team can help you do more with your property and financial assets. We provide lending and banking services geared towards housing associations, other charities and social purpose enterprises.

Our secured loans for social housing schemes are tailored to be cost-effective for Registered Providers. Here’s what we offer:

  • Finance for the development of new homes, purchase or renovation of housing stock
  • Refinancing of existing debt
  • Loan amounts of between £150,000 and £9m
  • Repayment terms over 2 – 25 years
  • Support of a dedicated relationship manager

We’ll help you to get your project off the ground, so you can deliver life-changing homes for the people who turn to you.

More than a bank

Owned by Charities Aid Foundation (CAF), a major UK charity, we’re committed to helping charities and social purpose enterprises to achieve more. Any surplus we make is reinvested in funding CAF’s work to strengthen the resilience of the charity sector.

Because we share your values, our dedicated relationship managers are truly invested in the success of your project.

Being part of the CAF family means we can offer clients access to insight, services and funding opportunities tailored for charities.

We support you, while you support others.



Life-changing affordable homes

With our support, Glen Housing is providing accessible homes that change lives and build communities.

Watch Glen Housing's story

Award-winning homes

How an award-winning sheltered housing project created a supportive community for older people in need.

Learn about the project's impact


A housing association plans an ambitious building maintenance programme, to help residents and tenants feel at home.

Read the story


Our friendly team of lending experts is on-hand to help with any questions you have.

Get in touch


Stuart Niven

Stuart Niven

Regional Director – North

After graduating with a Geography degree and working in the private sector, Stuart joined the charitable sector in 2003. He enjoys building relationships with charities across Scotland and the north of England. And he’s especially interested in social housing, becoming a Trustee of his local Housing Association in 2017.

Find out more about Stuart
Ben Harris

Ben Harris

Senior Relationship Director
Ben has worked in the charity sector for over 12 years. Before joining CAF, he worked with a small national health charity. The strong growth he helped them achieve gave him a crucial insight to the challenges of maintaining sustainable funding streams

Find out more about Ben
Sean Taylor

Sean Taylor

Senior Relationship Director

Sean supports the borrowing requirements for many not-for-profit organisations, from housing associations to co-operatives and charities. He has worked in the banking sector for the last 30 years, and in relationship manager roles for the last 20.

Find out more about Sean


Instant access savings account

The CAF Gold Account gives your organisation the flexibility to reach your savings whenever needed. All while paying you interest.

Everyday banking to help you thrive

The CAF Cash Account quietly supports your goals, one transaction at a time.

Development finance

We offer experienced developers tailored support for projects with a social purpose.

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.