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Loans for churches and charities

Start your building project on the right foot

Start your loan application
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A loan with no penalties for early repayments

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Accessible funding

We won’t exclude you because you rely on giving rather than commercial income

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Shared vision

We've been helping Christian causes secure funding for almost 100 years

Loans

For churches and Christian organisations

Start your loan application

Stewardship help churches and charities achieve their vision by providing finance for building projects.

Buying somewhere new? Need a new church roof? Looking to convert or refurbish your building? Whatever the task, we'll help you kick start your project with a loan for every kind of adventure.

We are a charity lender that understands your Christian vision and values, and so have better insight into the best way to lend funds specifically for your requirements.

 

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Achieve your vision

Your building project isn't the end goal - it's a catalyst to help you grow your ministry. We're a strategic partner, so we understand the faith aspect and kingdom dynamics of your project.

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A more suitable lender

It can be hard to secure a high street loan when your repayments are based on generous giving. For the last 25 years, Stewardship has been supporting churches and Christian charities, removing the barriers to securing funds.

House and heart

A place to call your own

For churches, owning your own space is an amazing step on your journey. You'll avoid rental costs, get a more flexible space and find room to grow. We'll help you make that a reality, with expert support and a lending solution that suits the circumstances of your church or charity.

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Early Bird Saving

There are no penalties for lump sum or early repayments, meaning less overheads for you and more funds to invest in other areas of your ministry.

Our Fees

Stewardship is a not-for-profit organisation and our costs are always kept as low as possible. Any surplus is reinvested into supporting charitable activities such as training, events and resources.

  • No Facility Fee

  • No Hidden Costs

  • Competitive, Tiered Application and Completion fees

Important Information

Stewardship only provides secured loans to Churches and other Christian charities. It does not lend to individuals or businesses. Stewardship is regulated by the Charity Commission. Please contact us for more details if required.

Frequently Asked Questions


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Our loans currently range from £40,000 to £2.5million, however we can lend more if need be. Your loan should not exceed 65% of the value of the property to be secured. We may ask you to obtain an independent professional valuation for this purpose.


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Under normal circumstances, the full sum of the agreed loan will be advanced on completion of lending. However, on request, the total loan can be advanced in any number of stages with no additional charges incurred.


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The maximum loan period is 15 years.


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The rate of interest is variable. Our current interest rate is typically between 3.75% and 5.25% p.a, the actual rate is determined by risk criteria applied as part of our financial assessment. A lower rate may apply to loans of over £1.5 million (subject to availability). We only offer a variable rate of interest. Contact us for further information. 


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A prospective borrower must satisfy Stewardship that its income is sufficient to service the borrowing. Repayment is by a regular monthly repayment of capital and interest. Lump sum repayments can be made at any time, without penalty.


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The loan must be secured by a first charge on any property owned by the church or charity including some residential property (for example a church manse) provided the property is (or will be) owned by the church or charity rather than the occupier.


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Our fees are competitive. The following will apply (effective from 1 May 2017):

Loan amount: Up to £500,000 Application fee: £300, Completion fee (starting from): £150

Loan amount: >£500,000 to £1,000,000, Application fee: £600, Completion fee (starting from): £400

Loan amount: >£1,000,000 to £2,000,000, Application fee: £750, Completion fee (starting from): £750

Loan amount: >£2,000,000, Application fee: POA, Completion fee (starting from): POA

Further fees: If an offer is made, the applicant may be responsible for further administration costs depending on the amount of work involved in more complex borrowing needs. All applicants will be responsible for the legal fees for preparing the loan documentation.


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No


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Churches and charities that are in line with our statement of faith


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Yes we do consider them, but they will come under a separate fee structure that will need to be discussed.


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Yes we can consider if it is the right thing to do.

Get in touch

Our team are always happy to hear from you and to answer any questions that you might have. 

 

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