Loans available to provide social and sustainable housing

If you are a charity, working with vulnerable people who are homeless or at risk of homelessness and are interested to explore the purchase of residential housing that you can let to your clients, Social and Sustainable Captial (SASC) would like to hear from you.

SASC are offering loans ranging from £1.5m - £5m which have been deliberately designed to safeguard charities from the risks they would normally find challenging in a more commercial mortgage.  

How the loans work:

  1. SASC provide 100% of the purchase price (so you are not required to pay a deposit) and take on your risk of voids and arrears.  

  2. You have an 18-month period to find (and if necessary renovate) the housing most appropriate to your needs and in an area of your choice.  

  3. The loan lasts 10 years, at the end of which, SASC will help you to re-finance the properties.  

Are you eligible?

SASC are particularly interested in charities who are working with vulnerable groups (including those fleeing domestic violence, ex-offenders, young people leaving care, migrants and adults with complex needs), who have experience of managing housing and/or tenancies but struggle to access stable and decent accommodation for their clients.  Your organisation should have annual revenue of at least £500k.

Charities who take on these loans have said that by giving them a route to property ownership, they have achieved two aims; i) their clients feel better supported and ii) as a charity they have been able to build a small-medium sized asset base that puts them on a more stable financial footing for the long term. 

More information can be found on SASC's website here

You can also contact if you would like to discuss in more detail.  

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