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Stewardship Loans for Churches and Charities logo

Start your building project on the right foot

Start your loan application
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Save money

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

Get in touch

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


T: 020 8502 8565

E: [email protected]


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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.

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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. Some restrictions may apply.

“A building that brings hope to the people of our borough.”

A once-derelict building is now the home of The Tab Church in London. Stewardship’s Church and Charity Loans team were pleased to offer a key loan to ensure the building project was seen through to completion and that the vision of the church could be fulfilled.


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.

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.

View loan fees
  • Full disclosure of costs

  • Competitive, Tiered Application and Arrangement 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.

Contact the team

Frequently Asked Questions


Our loans currently range from £40,000 to £4million, 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.


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.


The maximum loan period is 15 years.


The rate of interest is variable. Our current interest rate is typically between 7.5% and 9% p.a., the actual rate is determined by risk criteria applied as part of our financial assessment. We only offer a variable rate of interest. Find out more in 'our interest rates explained' or contact us for further information. 


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.


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.


Our fees are competitive. Please see our fees section for more details.




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


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


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


Loans provided by Stewardship are at a variable rate of interest known as the Standard Stewardship Lending Rate (SSLR). The rate is set by our Finance & Investment Committee and takes into account the Bank of England (BoE) base rate. See more information on Stewardship’s interest rate policy.

Our Interest Rates Explained

Read our Interest Rate Policy on how changes to the Bank of England base rate change could affect your Stewardship loan repayments. 

Find out more

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Experienced professionals to help you find the right answers

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Drop us an email or call and we'll aim to get back to you within two working days

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Pay one low annual fee and get access to a team of experts

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We're here to support you and help strengthen your church plant and its vision

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Use our Church Planting Pathway to develop a road map for your church, specific to your context and vision

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Long term

As your journey continues and your church grows, we'll be on hand every step of the way

Learn more about Church Planting

Financial Health Check for Churches

Take our free assessment tool to evaluate the financial health of your church.

Designed specifically for church leaders, trustees and treasurers, the Financial Health Check for Churches involves a comprehensive questionnaire to help identify areas that may need further attention and stimulate conversations that will strengthen your church.

Find out more