Lending Done Differently

Finance that puts people first

At Lendology, we believe finance should support people, not pressure them.

Because everyone deserves to feel safe and secure in their own home.

We are a B Corp(™) certified, social lender providing responsible home improvement loans to homeowners across the UK. Since 2003, we’ve helped people repair, improve and adapt their homes; from fixing leaking roofs, new windows and doors to funding energy efficiency upgrades and disability adaptations.

We understand that borrowing money can feel daunting. That’s why every loan application is reviewed by a real person who takes the time to understand your circumstances. We focus on affordability, fairness and long-term outcomes, and where grants or alternative funding are available, we’ll always explore those options first.

Our loans are fixed, transparent and designed to give you peace of mind. Authorised and regulated by the Financial Conduct Authority, we work in partnership with local councils to provide safe, accessible finance for homeowners who may not be able to access mainstream lending. Because everyone deserves to feel safe and secure in their own home.

Our Social Impact

Through responsible lending and community finance, we help people access fair and transparent finance to improve their homes and living conditions.

Working in partnership with local councils, we support homeowners to carry out essential repairs, improvements and energy efficiency upgrades,  helping to create safer, warmer homes.

By doing this, we aim to contribute to stronger, more resilient communities across the UK.

Explore our social impact in more detail

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Lendology CIC is a B Corp

Our B Corp Certification

We’re proud to be a certified B Corp, reflecting our commitment to doing the right thing, for homeowners, for communities, and for the environment.

For us, this means thinking carefully about the impact of our work, supporting people to create safer, warmer homes, and always looking for ways to do better.

Our Carbon Commitment​

We’re proud to be the UK’s first carbon neutral lender, part of our commitment to understanding, reducing and offsetting the environmental impact of our work.

Through our lending, we support homeowners to carry out energy efficiency improvements, helping to reduce energy use and improve the comfort of their homes.

Alongside this, we measure and offset the emissions associated with our operations, and continue to look for ways to reduce our impact over time.

Explore our carbon emissions report

Lendology CIC is Carbon Neutral
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Our Accessibility Promise​

Our approach to accessible finance and inclusion includes both online and in-person support, allowing homeowners to engage with us in a way that suits their needs and circumstances.  

We are committed to providing clear guidance, practical assistance, and an inclusive service that helps more people access the financial solutions they need. 

If you need support at any stage of the process, our team is here to help. 

Fair Tax Accreditation

Lendology supports the principles of the Fair Tax Mark, the independent certification that recognises organisations demonstrating responsible tax conduct and transparency. This accreditation reflects our commitment to operating with integrity and ensuring our tax practices align with UK tax law.  

Our approach to tax forms part of our broader commitment to ethical finance, responsible business practices, and long-term social impact.  

Older couple enjoying a relaxed conversation at home, reflecting the importance of ageing housing funding for comfort and independence

Our Story

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Where it started

We began as Wessex Reinvestment Trust, with a simple aim, to support communities through responsible finance.

Glastonbury Tor in Somerset at sunset, with the iconic St Michael’s Tower overlooking rolling green hills and a winding footpath in the South West of England.
First partnerships

Our first council partners came on board, forming “The Consortium” across the South West and establishing the foundations of our local authority partnership model.

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Our first lending year

In our first full year of lending, we supported 59 households with just under £300,000 in loans.

Sunset over Dartmoor National Park in Devon, with rugged moorland, ancient stone cairn and sweeping countryside views across the South West of England.
Welcoming Devon

We welcomed Devon as a new council partner, extending our model to support more communities.

North Devon coastline with rugged cliffs, coastal path and sweeping sea views, showcasing the dramatic landscape of the South West of England on a clear day
Welcoming North Devon

North Devon joined the consortium, strengthening our growing network of council partners.

Stonehenge in Wiltshire, England, with ancient standing stones set against open countryside and dramatic skies, showcasing one of the UK’s most iconic prehistoric landmarks.
Welcoming Wiltshire

We welcomed Wiltshire as a new council partner, further expanding our reach.

Over £1 million lent

Lending exceeded £1 million for the first time, marking a significant step in our growth.

Becoming a CIC

We became a Community Interest Company and rebranded to Wessex Resolutions, reinforcing our commitment to social purpose.

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Broadening our support

We launched our Money and Advice Service, offering additional support including debt counselling.

Our first website

We launched our first website, making it easier for people to find and engage with our services.

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Emma Lower became CEO

New leadership helps guide the organisation through its next phase of growth.

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Becoming Lendology

We rebranded from Wessex Resolutions to Lendology, reflecting our evolving purpose and growing national reach.

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Digital services

We introduced online assessments, making it easier and quicker for people to access our support

Lendology CIC is Carbon Neutral
Becoming carbon neutral

We became carbon neutral, reflecting our commitment to reducing our environmental impact.

Lendology CIC is a B Corp
Certified B Corp

We became a certified B Corp, welcomed new partners including Cornwall, and were recognised with the Best Use of Media Award at the Empty Homes Network Awards.

Emma Lower and 2 charity workers for Energy Heroes holing a big cheque, stood in some public gardens
Growing our Partnerships

We welcomed new partners including the London Borough of Merton, Suffolk and West Yorkshire Combined Authority, and received the Environmental and Sustainability Award at the Somerset Business Awards.

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A record year

We delivered our highest level of lending to date, supporting more homeowners than ever before, with over £4.5 million lent.

Our Impact

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households supported in 2025/26
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The Lendology Team

Meet the Directors

Team-Portraits

Graham Austin

Non Executive Director | Chairman

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Emma Lower

Chief Executive

Sue Moore

Sue Moore

Non-Exec Director

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Colin Atkinson

Non-Exec Director

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Paul Handford

Non-Exec Director

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Alan Hughes

Non-Exec Director

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Anna Osborne

Chief Financial Officer

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Ellie Lister

Chief Operating Officer

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