Loans to develop life-changing homes

Our secured loans are designed for UK housing associations, charities and social purpose enterprises that have been running for at least three years.

With our financial support, social housing providers are helping more people to find an affordable home. Working with Almshouse charities, Community Land Trusts, Registered Providers and YMCAs, our focus is on helping you to deliver more impact from your property and financial assets.

Owned by UK charity, the Charities Aid Foundation, CAF Bank is dedicated to supporting organisations with a social purpose. That's why we're rated top UK bank for charity sector knowledge and commitment to CSR*.

Borrowing from us doesn’t just mean choosing a bank that shares your values and measures of success. It means teaming up with a lending partner that exists to help strengthen the resilience of the charity sector. Our friendly team of lending experts are on-hand to help with any questions you have. 

* Source: Charity Banking Survey 2021 (Charity Finance magazine)

NACFB Patron Awards - Highly Commended - Socially Responsible Lender of the Year
CTA 2022

Flexible finance for registered providers 

Cost-effective loan finance support

We offer:

  • Repayment terms up to 25 years
  • Loan amounts of between £150,000 and £8m
  • Support of a dedicated Relationship Director

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


Download our brochure

We treat our clients’ goals as our own

We work closely with every borrower to ensure we fully understand their development goals, business model and project plan.

If you are:

  • Planning a new development
  • Renovating your current housing stock
  • Investing in decarbonisation, or
  • Refinancing existing debt

Get in touch to find out if a CAF Bank loan could be right for you.

Borrowing for impact

Our experience and in-depth sector knowledge let us offer dedicated financial support to housing associations and charities across the UK.

From Aberdeen to Truro, and from Merthyr Tydfil to Southend-on-Sea, we’re helping social housing providers to meet the acute need for high-quality, affordable and accessible homes.

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Lending project data correct as at 31 December 2022

Where stories of impact are made

Take a look at these case studies to see the impact of social housing projects we've supported. Could we help your organisation write its next chapter? We would love to hear about your plans.

Dolphin Living new development exterior

Dolphin Living: Affordable homes for people in need

  • Social housing
  • ●
  • London


An affordable place to live for people who are homeless, unemployed or have learning difficulties.

Learn more
Two women preparing food in a kitchen

Norton Housing and Support: Homes to help people live independently

  • Supported housing
  • ●
  • Leicester


Helping people with mental health needs or learning disabilities to live more independently.

Learn more
Clydebank Housing Association development

Clydebank Housing Association: Local regeneration delivers affordable homes

  • Social housing
  • ●
  • Clydebank


Regenerating an area to provide safe, warm, affordable homes with access to local amenities.

Learn more

We're here to help

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

We start by listening and taking the time to get to know you and your project. Then, if we think a CAF Bank loan could be right for you, we’ll ask you for more information. 

Get in touch

Meet the team

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
Scott Newman

Scott Newman

Regional Director – South

Scott joined CAF Bank in 2014, bringing 14 years of private banking experience and a sound knowledge of development finance. He has a detailed knowledge of our entire lending offering, from charity loans to social purpose projects.

Find out more about Scott 

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

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.