We are an established not-for-profit organisation providing
affordable secured loans and mortgages for all.
Homeowner Loan
We have a range of secured loan products available to existing homeowners that can be used for a variety of different purposes
Later Life Lending
Later Life finance is available for a number of purposes. There are no age restrictions for older borrowers
Shared Ownership
Shared Ownership mortgages available with deposits as low as 5% required - subject to eligibility.
Shared Equity
Homebuy
Shared Equity Homebuy can help you by providing a loan for up to 20% of the cost of your home reducing the amount you need towards a deposit.
Start Again Mortgage
Mortgages available if you need help to Start Again further to a change in circumstances. No age restrictions for older borrowers.
Why we are different
- Tailored Approach: We take the time to understand the customers we lend to and offer a bespoke, non-pressurised service. We visit each client in the comfort of their own home to explain our product range and services.
- Flexible Product Range: Subject to a full financial review, we may still be able to assist even if affordability or credit history is an issue. For the majority of our products, there are no penalties for over-payments or early settlement.
- Communication: We do not have a call centre. Our clients are allocated a dedicated loans adviser who will assist them throughout the process and is easy to contact for on-going advice and support.
- Simplicity: The process is easy. There are no application forms for our clients to complete as all the administration is managed by a Loans Officer on your behalf.