We have a secured loan suited to you…
You can borrow for a variety of reasons including home improvements, funding for landlords, energy efficiency measures and home adaptations. Our loan options are carefully crafted to provide flexible and affordable financing, empowering you to turn your aspirations into reality. With competitive interest rates, personalised terms, and dedicated support, we are here to help you achieve your goals.
Energy Efficiency
Loans
Parity Trust work in partnership with a number of local authorities to provide secured home improvement loans.
If you have a query or would like to find out if you are eligible for a loan please contact our team:
One of our loans advisors will arrange to have an initial consultation with you. They will be able to determine whether any of our tailored loan packages might be suitable to meet your needs. This service is carried out before you apply.
We have an extensive product range allowing us to lend to people in wide variety of circumstances.
- Self-employed / Employed
- Retired
- No upper age limit
- Impaired credit history
- In receipt of benefit income
- Low income
Examples of works
- Air source and ground source heat pumps
- Solar panels
- Replacement windows and doors
- Cavity wall & loft insulation
- Energy efficient boilers
- Central heating
- Other energy efficiency measures
What are the benefits
- We are a not for profit organisation regulated by the Financial Conduct Authority
- No penalties for overpayments or early settlement
- Interest rate fixed for the entire term of the loan
- We have loan products available that do not require a regular monthly payment
- Low arrangement fee
- Get a free initial quote & consultation before you apply with no impact on your credit score
- Financial review carried out either online or in your home
- A dedicated point of contact
- Loans subsidised through your local authority (subject to eligibility)
- Support with contractors
Loan Examples
Loan Amount
£5,000
Term
15 years
Monthly Payments
£43.53
Interest Rate
6.49%
(6.69% APRC)
Total Payable
£7,835.40
Loan Product Features
Your monthly payment is applied against the interest accrued and the capital. The amount you owe will decrease with each monthly payment
Loan Amount
5,000
Term
25 years
Monthly Payments
£27.04
Interest Rate
6.49%
(6.69% APRC)
Total Payable
£13,112.00
Loan Product Features
Your monthly payment will only cover the interest accrued. The capital Will need to be repaid at the end of your loan term or when you sell the property. The loan settlement will always remain the same and in this example it would be £5,000
Loan Amount
5,000
Term
25 years
Monthly Payments
£0.00
Interest Rate
5.49%
(5.63% APRC)
Total Payable
£19,664.36
Loan Product Features
There is no monthly payment so the loan balance will increase over time as the interest accumlates. You will have to repay the capital plus interest accrued when you sell the property or at the end of the loan term.
Loan Amount
5,000
Term
25 years
Monthly Payments
£0.00
Interest Rate
2% Collar - 9% Cap
Total Payable
Linked to property value
Loan Product Features
With a Shared Equity loan a capital sum is lent with the amount owed linked to the value of your property. A valuation will be required to assess the property value at the outset and when the loan is settled.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBT SECURED ON IT
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