We are on the same side of the table as you
About us
Parity Trust provides secured loans and mortgages, helping you move or improve, and get back on track. We provide flexible, affordable solutions, even if you’re on a low income or have been refused credit elsewhere. We lend to older borrowers – also called later life lending) and provide shared ownership mortgages for Community Land Trust and Housing Association homes. In the past 10 years, we have offered over 650 secured home improvement loans enabling homeowners to feel safe, secure and happy in their homes again.We are proud of our long-standing partnership with a number of local authorities (see below for current partners) which means we can offer affordable home improvement loans. With these loans, we have helped hundreds of clients to carry out adaptations to their homes (including Disabled Facility Grant top-ups) as well as repairs and improvements. With our help, you can keep control of your finances and your home environment.
With the rising cost of living, house prices, shrinking savings pots and diminishing pensions, we know that you need affordable and flexible lending. You can trust us to find the right solution for your needs, no matter your circumstances. We provide an inclusive, personal service and we are passionate about creating lasting and sustainable change. If you would like to find out more about why we are different from other lenders, download our ways we are different info sheet.
We can help you get back on track
We offer a range of flexible affordable loans and mortgages to help you move or improve, no matter your cirucumstances. Click on an image to find out more.
Later Life Lending
Later Life finance is available for a number of purposes. There are no age restrictions for older borrowers
Homeowner Loan
We have a range of secured loan products available to existing homeowners that can be used for a variety of different purposes
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.
“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”
Our Vision
Parity Trust is the specialist secured loan and mortgage provider for affordable and decent homes.
Our Mission
We are 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 the group comprising 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.
Parity Trust Limited, registered in England and Wales. Companies House Number: 3977373. Authorised & regulated by the Financial Conduct Authority. Financial Services Register Number: 504445
Parity Trust is a member of UK Finance, an associate of the Community Land Trust Network and you can also find us on the Financial Services Register.
