Business Details
26 Years
experience
Ethical Secured Loans for Home Improvements
Parity Trust has been providing ethical, socially responsible secured loans and mortgage products since 2000. Our mission focuses on improving lives by enabling homeowners to undertake essential repairs, energy efficiency upgrades, and home adaptations. As an authorised and regulated entity by the Financial Conduct Authority, we prioritise financial inclusion, offering tailored solutions for individuals struggling to access mainstream finance. With over 25 years of experience, we have supported thousands through home repairs, adaptations, and sustainable housing initiatives. Our team conducts thorough financial reviews to ensure suitability, while our partnerships with local authorities expand access to affordable housing.We operate with transparency, offering interest-free loans for specific schemes and maintaining a commitment to customer-centric service. Our social impact report highlights achievements, including over 1,750 financial reviews completed and 2 million allocated to disabled households. We provide free initial consultations, flexible repayment options, and lifelong support for homeowners aged 60+. By combining innovation with ethical lending, we aim to be a leading provider of secured lending for social good.
Services
Home Improvement Loans
Energy Efficiency Loans
Home Adaptation Loans
Landlord Loans
Empty Property Loans
Shared Equity Loans
Disabled Facilities Grants
Financial Reviews
Mortgage Services
Community Housing Projects
Details
- Year established: 2000
Highlights and features
- We offer 25 years of experience in ethical secured lending.
- Our loans assist homeowners with impaired credit histories.
- We provide interest-free options for energy efficiency upgrades.
- Our team conducts personalised financial reviews for suitability.
- We support lifelong independent living through home adaptations.
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful
Extremely helpful
Efficient service
Wonderful to upgrade
Thoroughly recommend
Services
Home Improvement Loans
Our Home Improvement Loans assist homeowners in renovating properties to enhance safety, warmth, and security. Designed for those struggling with mainstream finance, these interest-free options support essential repairs. Tailored solutions ensure accessibility for low-income, retired, or credit-impaired applicants.
Energy Efficiency Loans
Energy Efficiency Loans fund upgrades like insulation and renewable energy systems to reduce bills and environmental impact. These products target households seeking sustainable solutions but facing affordability barriers. Eligibility assessments consider income, property value, and long-term benefits.
Home Adaptation Loans
Home Adaptation Loans enable modifications for disabled or elderly residents, ensuring safe, independent living. Funds cover structural changes like ramps, wet rooms, or stairlifts. No monthly repayments are required for certain schemes, prioritising lifelong housing stability.
Landlord Loans
Landlord Loans support property owners in upgrading tenanted homes to meet safety and efficiency standards. These products address regulatory compliance while improving tenant living conditions. Flexible terms accommodate varying property portfolios and investment scales.
Shared Equity Loans
Shared Equity Loans provide capital assistance for purchasing adapted or adaptable homes. Targeting disabled individuals, these loans require no monthly payments and allow partial or full repayment at any time. Partnerships with councils ensure affordability and long-term housing suitability.
Questions
What loan types do you offer?
We provide Home Improvement, Energy Efficiency, Home Adaptation, Landlord, Empty Property, and Shared Equity Loans.
How do I check eligibility?
Complete our online application form for a free financial review without impacting your credit score.
Are there repayment penalties?
No penalties apply for early repayments or settling loans ahead of term.
Do you assist with impaired credit?
Yes, we specialise in supporting applicants with adverse credit histories.
How are you different from banks?
We prioritise ethical lending, offering tailored solutions for underserved groups excluded from mainstream finance.
Can I apply if retired?
Yes, we accept applications from retirees without imposing upper age limits.
Reviews (1)
Rebecca Rainbow
Oct 25, 2021
Report
I would like to say thank you to Derek and Nick at the Party Trust for their lengthy work to arrange a loan to improve my property. It has been wonderful to be able to upgrade my home, installing new windows in particular. I would throughly recommend The Parity Trust as they are able to support homeowners who are in a range of financial and employment cirumstances.
