Social housing


We explore how social housing providers and banks can work together to tackle the acute need for affordable homes.

Get in touch now


CAF Bank provides lending, banking and deposit account services for housing associations, other charities and not-for-profit organisations.

Contact our dedicated team, if you’re seeking:

  • To finance a new development or renovation of existing stock
  • A reliable home for your funds
  • To earn a return from cash reserves


CAF Bank is owned by a major UK charity, Charities Aid Foundation (CAF).

Here are five reasons why housing associations and other social housing providers choose us as their lending partner:

  1. We are driven by a similar charitable purpose

  2. Our focus is helping charities make a bigger difference for the people they support

  3. We understand the business models and goals of charities and housing associations

  4. Our secured loans of between £150,000 and £9 million, repayable over 2 to 25 years, are tailored to be cost-effective for borrowers

  5. Our relationship managers take an interest in the impact of the projects we help to finance

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



Glen Housing

How a new development of affordable homes is changing residents' lives.

Watch Glen Housing's story

The Finchley Charities

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


Stuart Niven

Stuart Niven

Business Development Manager

Since joining CAF in 2011 as Business Development Manager for Scotland, Stuart has developed relationships with housing associations, charities and intermediaries across the country, helping them to achieve their financial and fundraising goals.

He supports Scottish Housing Associations with their private finance requirements and in considering options to earn income from cash reserves. Stuart has also served as a Committee member for his local housing association since 2017.

Danny Dickson

Danny Dickson

Client Relations Manager

Danny joined CAF Bank in 2017, bringing 40 years’ banking experience across various sectors including Corporate, Commercial, Charities and Social Housing.

He has been providing private finance solutions to the Scottish Social Housing sector since 1999, as well as having served as a volunteer on Housing Association and Credit Union Boards.

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.

Scott Newman

Scott Newman

Head of Lending Business Development
Scott heads Lending Business Development and has helped CAF Bank to grow its loan book by building close relationships with clients and representative groups. He joined CAF Bank in 2014, bringing with him 14 years’ financial services and lending experience.  Prior to CAF Bank, he worked in Private Banking.
Person standing on top of snowy rock

Need some help?


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

Contact the team


Manage your investments*

Introducing the CAF Investment Account, the only secure, digital trading platform designed for charitable organisations of all sizes.
*Available through CFSL

Resources for charity trustees

Good governance is essential for charities to be effective, accountable and sustainable. Explore our useful resources for charity trustees and leaders.

About CAF Bank

Check out our range of services, from a bank devoted to helping you grow your social impact.

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.