About us – Providing secured loans and mortgages for homeowners and home buyers

  Parity Trust provides secured loans and mortgages, which are available to homeowners as well as those looking to purchase a property for the first time. We have experience in retirement lending (lending to older borrowers) and providing 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 invest in their properties.

We are proud of our long-standing partnership with a number of local authorities (see below for current partners) which enables us to offer affordable home improvement loans. These loans allow our clients to finance adaptations (including Disabled Facility Grant top-ups), repairs and improvements.

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 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. If you want to find out what makes us different from some other lenders, take a look at our ways we are different info sheet. 


“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 UK Finance, an associate of the Community Land Trust Network and you can also find us on the Financial Services Register.

National CLT Network AssociateUK Finance member 2019Armed Forces Covenant Employer Recognition Scheme: Bronze Award

Contact us

Parity Trust
Port View, One Port Way, Port Solent, Portsmouth PO6 4TY
023 9237 5921

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  • @ParityTrust We need government to be a positive voice for #SharedOwnership – not to tweak it too much https://t.co/MvxEqraDZL v… https://t.co/n708GxMdku
  • @ParityTrust RT @Ageing_Better: Research has shown that 93% of our current homes fail accessibility standards. Our goal is that by 2030 there will be…

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