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How churches and faith groups are developing places of worship into valued community assets.

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More and more, religious buildings are valued not only as places of worship, but also as hosts of support, services and activities for the wider community.

If you're planning how to keep pace with a growing congregation or to redevelop existing facilities into a community hub, it makes sense to consider all your potential funding options. 

Repayable finance can enable churches and charities to press ahead with building development and renovation projects more quickly, than if relying on grants, donations and other current sources of income.

Because we're driven by a charitable purpose, CAF Bank is well-versed in supporting churches, faith groups and other charities to realise their vision.

Explore the benefits of forming a duet with a flexible lender. Talk to our charity loan experts or download CAF's free guide to repayable finance.

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We offer flexible loans, tailored for UK churches, other charities and not-for-profit organisations:

  • Secured loans of between £150,000 and £5 million
  • For property purchase, redevelopment, restoration and refurbishment projects
  • Repayment terms between 2 and 25 years
  • Support from a dedicated relationship manager



Join over 12,000 charitable organisations which use our banking, deposit account and lending services:

  • Owned by a major charity, CAF, our profits are reinvested to support the charity sector
  • We work together with a harmony of purpose, helping you deliver your church's vision
  • We take the time to understand your financial situation, governance structure, future goals and business plan

CAF Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.


Recent projects we've supported that are bringing places of worship closer to the communities they serve.

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's Church Cornerstone Centre

Cornerstone of the community

St John's Church celebrated its 200th anniversary by opening an upgraded and expanded community hub, with the help of a CAF Bank loan.

Read St John's story
Putney Community Church

Reconnecting communities

How a major building refurbishment is helping a church in Putney to expand its community outreach.

Read the church's story


Financing the Future

Financing The Future

CAF's free guide explains everything that charities need to know about repayable finance.

Download the guide
Should charities borrow?

Is it right for charities to borrow?

Borrowing isn't suitable for every charity, so when could a loan make financial sense?

When to consider a loan

Taking a lease

What trustees need to know before your charity takes on a lease of commercial premises.

Read the guide
Make more of your charity’s savings

Make more of your charity's savings

Discover the key steps to making your organisation's savings work harder.

Check out the four steps


Bethany Diprose

Bethany Diprose

Client Relationship Manager

Bethany joined the team in 2017. She helps charities and not-for-profit organisations explore options for how to grow and remain resilient. These include fundraising tools, strategic consultancy services, loan financing, banking facilities, and savings and investments, designed specifically for charities.

In her previous role, Bethany was part of CAF's Private Client team, supporting wealthy individuals to realise their philanthropic goals.

Stuart Niven

Stuart Niven

Business Development Manager

After graduating with a Geography (BSc Hons) degree from Nottingham University and a career in the private sector, Stuart joined the voluntary sector in 2003. He’s worked with a wide variety of charities including the Jubilee Sailing Trust, Missing People and Sense Scotland, helping them to achieve their business goals through some very challenging times.

Since joining CAF in 2011, Stuart has enjoyed developing relationships with charities, companies and intermediaries from across Scotland and north England, supporting them to achieve their financial and fundraising goals.

Joe Hehir

Joe Hehir

Client Relations Manager

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.

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Need some help?


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

Contact the team


All about giving in the UK

Discover insight into donor behaviour, key issues affecting charities and responses to significant UK events.

Charities blog

Insights and analysis from our team of experts, lets you stay up to date and helps your charity succeed.

Nudging people to give

CAF worked with the Cabinet Office and Behavioural Insights Team to test ways of encouraging charitable giving.

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.

Charities Aid Foundation © | Registered Charity Number 268369
25 Kings Hill Avenue, Kings Hill, West Malling, Kent ME19 4TA
10 St. Bride Street, London EC4A 4AD
Telephone: 03000 123 000