Putting people first
Our lending decisions are made with people, for people, based on your situation, not just your credit score. You’ll always speak to a real person who’s here to help, not judge.
Impact driven lending
We deliver responsible finance that improves housing quality, supports vulnerable residents, and contributes directly to local health, wellbeing, and net-zero targets.
End-to-end loan management
From assessment to approval, paperwork to repayments, we manage the full loan process—providing councils with a seamless, fully regulated service and robust reporting.
FCA regulated lender
With over 20 years of experience and a strong track record of success, we work alongside councils to co-design flexible loan schemes tailored to local needs.
Reduce empty properties
Bring empty homes back to life.
Improve resident wellbeing
Fund disabled facilities grant top-ups and retrofit measures
Flexibility on repaying
Our loans are tailored to your circumstances, with affordable repayment plans and the freedom to settle or overpay at any time — helping you save money and reduce interest.
Fixed interest rates
Know exactly what you’ll repay. Your monthly repayment amounts are fixed for the lifetime of the loan, giving you stability and peace of mind.
No early repayment charges
If you repay your loan early, you will not be charged an early repayment fee.