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Scottish charitable bonds

Flexible, affordable loans for Scottish housing development

Break free from typical funding restrictions

Here’s why our unique Scottish charitable bonds could be the option for you:

  • Amount – £1 million up to £20 million available
  • Term – choose anywhere between 5 and 15 years (no re-pricing mid-term)
  • Fixed rate – offers absolute certainty of overall cost of borrowing
  • Unsecured – maintain control of your assets
  • Interest payments deferred until maturity – leaves you free to invest in your business
  • Speed – transaction can be completed in 4 weeks
  • Simple loan document – easy to manage
  • No financial covenants – freedom to run your business how you wish
  • Unpledged asset cover ratio – you choose the valuation method used
  • Interest re-used in housing sector – no shareholders taking a cut

We’ve provided 18 loans for 13 housing associations

The Scottish Government announced its investment of £40 million into our Scottish charitable bond programme for the current 2019/20 year.

Take a look at our blog and case study on some of the Scottish Housing Associations we’ve supported.

Who we’ve helped

"It has been without doubt the most straightforward funding route we have used"

Lochalsh & Skye Housing Association

See how we can help you

Get in touch to find out more about our Scottish charitable bond programme
020 3039 3445

Scottish Charitable Bond supporter logos
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