About us – Finance to Innovate and Empower

Parity Trust is a not-for-profit organisation that provides a diverse range of secured loan products, which are available to assist existing home-owners as well as those looking to purchase a property for the first time.

We were established in 2000 to provide an alternative finance option to high street credit providers and have lent over £5million to individuals, businesses and community organisations. In 2010 we achieved regulation by the Financial Conduct Authority (FCA) for regulated mortgage activities.

In the past 10 years, we have offered over 600 secured home improvement loans enabling homeowners to invest in their properties. We are proud of our long-standing partnership with a number of local authorities, which enables us to offer affordable home improvement loans to clients, some of whom would struggle to access mainstream finance. This enables our clients to finance the adaptations, repairs and improvements required.

With the rising cost of living, house prices, shrinking savings pots and diminishing pensions, the need for affordable and flexible borrowing has never been greater, as a result, we have introduced innovative products which meet the needs of those under-served by the mortgage market.

Our lending activity serves to create lasting and sustainable change. The future is bright for Parity  as we look forward to developing our position of strength in today’s financial market.

We can now offer:
“I found every aspect of the service excellent, and I was particularly impressed with the speed of the whole process and the friendliness and courtesy shown by everyone involved”.
“Finance to innovate and empower”


Leading finance provider for affordable and decent homes.

Mission Statement

Parity Trust is committed to providing affordable loans and mortgages, through bespoke packages to people and communities who are marginalised from accessing mainstream finance.

Company Information

Parity Trust is the trading name of Portsmouth Area Regeneration Trust group. The group comprises of: Portsmouth Area Regeneration Trust (IPS) Ltd. Registered Society registered under the Co-operative and Community Benefit Societies Act 2014 under Number 29069R. Portsmouth Area Regeneration Trust, registered in England and Wales. Companies House Number: 03794640. Charity Commission Register Number: 1079454. Portsmouth Area Regeneration Trust (Guarantee) Limited, registered in England and Wales. Companies House Number: 3977373.Portsmouth Area Regeneration Trust (Guarantee) Limited is authorised & regulated by the Financial Conduct Authority. Financial Services Register Number: 504445 Parity Trust is a member of the Council of Mortgage Lenders, an associate of the Community Land Trust Network and you can also find us on the Financial Services Register.

Armed Forces Covenant Employer Recognition Scheme: Bronze Award   National CLT Network Associate            


Contact us

Parity Trust
East Wing, 1000 Lakeside, North Harbour, Portsmouth PO6 3EN
023 9237 5921

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  • @ParityTrust meeting w/ @wealdendistrict & @BrightonHoveCC today to chat about finance for #homeowners needing #adaptations & re… https://t.co/yVjXGpNdAk
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  • @ParityTrust catching up with @newforestdc today on our financial assistance for #homeowners needing #adaptations, top-ups to… https://t.co/bq8SCrADwH

Parity Trust works with the following local authorities to provide secured Home Improvement Loans