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

Parity Trust provides secured loans and mortgages, which support homeowners as well as those looking to purchase a property. We have experience in retirement lending (lending to older borrowers – also called later life lending) 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 home adaptations (including Disabled Facility Grant top-ups) as well as 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..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. 


We can help you get back on track

We offer a range of flexible affordable loans & mortgages to help you move or improve, no matter your cirucumstances. Click on an image to find out more.
“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”


Specialist secured loan and mortgage 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 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.

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