We believe that every homeowner should be able to live in a home where they can feel safe, warm, and secure and for many, access to affordable lending is key to making that happen.

Since 2005, we have been lending on behalf of our council partners and are one of a few Social Enterprise Lenders that operates in this way.

Our Vision

We disrupt traditional lending with our decisions powered by partnerships and people, enriching homes and lives through affordable finance.

Our Mission

Working with council partners, we provide access to low cost, responsible finance. We make our lending decisions with people, for people and put impact before profit.

Our Values
Not just words, they are reflected in everything we do, regardless of whether you are a customer, partner or colleague.
01

Respectful

We are considerate of the needs, abilities and qualities of our colleagues, customers and partners.

02

Expert

We are proud of our knowledge and expertise and the positive impact that brings to our customers and partners.

03

Dynamic

We engender a positive attitude, full of energy and new ideas to continuously develop our services, products and relationships.

04

Supportive

We help each other, our customers and partners to thrive and succeed.

Transforming Lives and Homes Since 2005

Established: Since 2005, we’ve been lending on behalf of council partners across the UK

Social Enterprise Focus: As one of the few Social Enterprise Lenders, we prioritise impact over profit

Heartfelt Approach: Our lending involves both heart and mind, not relying on credit ratings or algorithms

Experience Matters: With almost 20 years’ of lending experience, we understand the evolving needs of our customers and partners

Diverse Loan Schemes: We offer a variety of homeowner loan schemes, targeting a range of housing challenges, from empty properties, energy efficiency standards, safety in later life, and renewable energy improvements

Community Impact: Currently managing over £10 million for local councils, positively affecting 1,500+ households

Beyond Figures: We look beyond numbers; the impact on our customers is what truly matters

We work in partnership with councils

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