Social housing


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

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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 £50,000 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


How CAF Bank helped build homes for people in need

Are you looking to fund a new development or renovate existing stock?

Financing affordable homes

Five qualities to look for in a lender

David Brown highlights the potential benefits for housing associations of building a partnership with their lender.

Qualities to look for

Lending a charitable hand

UK Government policy changes are creating a number of challenges and opportunities for housing associations.

Read more


Stuart Niven

Stuart Niven

Business Development Manager

Stuart manages charities and social enterprises in Scotland, helping them to benefit from financial and fundraising services.

Stuart has been instrumental in developing support for Scottish Registered Social Landlords and assisting them with their ongoing requirements.

Ben Harris

Ben Harris

Business Development Manager. CAF

Ben has worked in the charity sector for over eight years with CAF and previously with a small national health charity.

His experience combines both commercial and third sector roles in business development, fundraising and stakeholder engagement.

Sean Taylor

Sean Taylor

Business Development Manager

Sean has worked within the Banking Sector for 29 years and for the past 12 years for specialist banks within the Third Sector.

He has managed and developed Charity and Business customer relationships and is currently an experienced Lending Manager with CAF Bank who assists charities and not for profit organizations, who wish to access bank finance as part of their funding options to further their charitable objectives.

A pile of money for charitable giving

Need some help?


Arrange a free consultation with our expert team.

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.