Business Details
26 Years
experience
Ethical Secured Loans for Home Improvements
Parity Trust has been providing ethical, socially responsible secured loans since 2000. Established to improve quality of life through home improvements, energy efficiency upgrades, and property adaptations, we specialise in assisting individuals struggling to access mainstream finance. As an FCA-authorised lender, we offer tailored solutions for homeowners, landlords, and those with impaired credit histories. Our team conducts thorough financial reviews to ensure suitability, prioritising long-term sustainability over short-term gains.With over 25 years of experience, we've completed 1,750+ financial reviews and delivered 2m+ in disability-focused home adaptations. Our partnerships with local authorities enable interest-free loan schemes for first-time buyers and vulnerable groups. We operate transparently, with no hidden fees or credit-score penalties for applications. Our social impact report highlights how our lending practices support financial inclusion and community regeneration across the UK.
Services
Home Improvement Loans
Energy Efficiency Loans
Home Adaptation Loans
Landlord Loans
Empty Property Loans
Details
- Year established: 2000
Highlights and features
- 25 years of experience in ethical lending solutions
- FCA-authorised with transparent, no-hidden-fee policy
- Specialise in lending to those with impaired credit histories
- Interest-free loan schemes available through local partnerships
- Personalised financial reviews conducted by experienced advisors
Associations and certifications
- Financial Conduct Authority
What people say
Very helpful advisor
Sympathetic and efficient
Upgraded my home
Services
Home Improvement Loans
Our home improvement loans enable homeowners to fund essential repairs and renovations. These secured loans help maintain property value while improving living conditions. Available to applicants with diverse financial circumstances, including those with impaired credit histories.
Energy Efficiency Loans
Energy efficiency loans support property upgrades that reduce energy consumption and utility costs. We provide funding for insulation, renewable energy systems, and other eco-friendly improvements. Our ethical lending approach prioritises long-term environmental and financial sustainability for homeowners.
Home Adaptation Loans
Home adaptation loans facilitate modifications for disability requirements or aging in place. These interest-free schemes help create safer living environments. We specialise in funding bathroom conversions, stairlift installations, and structural accessibility improvements.
Landlord Loans
Landlord loans provide financing for property maintenance and upgrades in rental portfolios. Our schemes accommodate empty properties needing renovation. We assess applications based on property potential and landlord circumstances rather than standard credit metrics.
Empty Property Loans
Empty property loans target neglected buildings requiring restoration. These schemes encourage property reactivation through flexible financing. We work with local authorities to revitalise communities by transforming derelict properties into habitable homes.
Questions
What loan eligibility criteria do you use?
We assess income, expenditure, and property equity rather than relying solely on credit scores. Our financial reviews consider individual circumstances including benefit income and retirement status.
How does the application process work?
Our 5-step process includes a free financial review, credit check, loan illustration, legal documentation, and HM Land Registry registration. Most loans complete within 1-2 weeks after approval.
Are your loans interest-free?
Some schemes offer interest-free periods, particularly for local authority partnerships. The Basingstoke scheme provides 5 years interest-free, with standard rates applying thereafter.
Can I apply with impaired credit?
Yes, we specialise in lending to those with adverse credit histories. Our financial reviews focus on current affordability rather than past credit issues.
How do you support vulnerable customers?
We offer tailored advice for older homeowners and disability-related adaptations. Our social impact initiatives include partnerships with housing charities and community land trusts.
