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Social Housing Loans and Finance

Reliance Bank Ltd has proudly supported the social housing sector for many years. Reliance Bank Ltd provide funding to Registered Providers of Affordable Housing and Housing Associations, so that they can provide more affordable homes for people on low incomes.

How a Social housing Loan can help you provide more affordable housing

Reliance Bank provide commercial loans to Registered Providers of Affordable Housing and Housing Associations, who are under the governance of the Regulator of Social Housing (RSH). 

See what one of our Registered Provider for Affordable Housing customers said:

Costa Ghioules – Finance Director for St Arthur Homes (Registered Provider of Affordable Housing) said:

“Once Inland Homes had practically completed and handed over the 24 units to St Arthur Homes in Feb 2021, St Arthur Homes utilised the existing partnership with Reliance Bank who agreed to provide a term loan over each stabilised unit. Each unit’s rental income met the covenants required by Reliance Bank and terms were offered on this low voiding rental asset. Security for Reliance Bank was met with a first charge over each unit. In the event of future possible staircasing by tenants, a simple debt covenant recalculation will be made where a repayment of the loan is made from the staircased proceeds. This ongoing funding relationship with our debt partners has allowed St Arthur Homes to release equity, which is then reinvested to grow the portfolio further, assisting in the ambition to grow the portfolio to 2,000 units within the next five years. Future additional Forward/ development funding and Stabilised/ term funding will be sought in order to deliver the agreed units in our pipeline with our partnered developers and in line with our board approved targets over the next five years.”

If you are a Registered Provider of Affordable Housing or a Housing Association with an existing range of pre-owned properties and you want help to release cash to grow your portfolio, Reliance Bank can help with a commercial loan so that you can secure more properties and assist you with your ambition to grow your portfolio of homes.

To discuss your borrowing requirements, please contact one of our Reliance Bank Relationship Directors at or call 0207 398 5400.

What a Social Housing Loan could look like for you

  • Term loans and overdraft facilities
  • Lending from £250k to £2.75m
  • Repayment term up to 25 years with 5 year commitment
  • Maximum of 65% loan to security value
  • Tailored loan pricing on a case by case basis
  • Simple application process and fast decisions
  • Early indication of our appetite to lend
  • Tailored solution to suit your businesses unique requirements
  • Branch Services – Our main office is located at Lovat Lane near Monument station in Central London and to make deposits businesses can use the counter services at any NatWest or RBS branch.

Why choose Reliance Bank?

Power to change lives for the better
Reliance Bank Ltd has proudly supported the social housing sector for many years. Reliance Bank Ltd provide funding to Registered Providers of Affordable Housing and Housing Associations so that they can provide more affordable homes. Reliance Bank Ltd also support Shared Ownership Mortgages.

Reliance Bank Ltd has also supported Salvation Army Housing Association (saha) for over 12 years and has supported charities, social enterprises, and businesses for over 130 years because we prioritise business lending to organisations that deliver positive social impact in the UK, so you’ll be joining a group of like-minded people.

Helping good people do great things with money
Reliance Bank Ltd has been at the forefront of social impact banking since 1890, when we were formed by William Booth the founder of The Salvation Army. Reliance Bank are proud of its shareholder The Salvation Army International who help people whose lives have been affected by emergencies, disasters, poverty and social inequality internationally.

Reliance Bank outperform high street banks for customer satisfaction as voted by our customers!
In the 2021 Charity Finance Banking Survey, Reliance Bank achieved first place overall for customer satisfaction, outperforming high street banks. We were rated in first place for:

• Relationship Manager
• Telephone Services
• Fees/charges
• Interest Rates

    Get in touch with us and we will be happy to answer your questions

    Call us on 020 7398 5400 or enter your details below and we will give you a call to discuss a loan.

    The enquiry form below is a short form for enquiry purposes only.

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    How to get a Social Housing Loan

    1. Read our Business Loans key documents (select Business Loans)
    2. Complete the Business Loans Business Account Opening form (select Business Loans)
    3. Complete the Business Loans Business Mandate form (select Business Loans)
    4. We’ll assess your application
    5. We’ll set up your account

    Read our key documents:
    Business Loans (IIS) Important Information Summary Form

    Complete our Business Account Opening Form and Business Mandate Form
    Complete our Business Account Opening Form and refer to What you need to open a business account and complete our Business Mandate Form. Both our Business Account Opening Form and our Business Mandate Form are paper based forms, so please print them out and complete them and send them to us at:
    Reliance Bank, Faith House, 23-24 Lovat Lane, London EC3R 8EB.

    We’ll assess your application
    • One of Relationship Directors will contact you to discuss your request.
    • We will undertake a Credit check on the Business and its Officials
    • Read our Business banking lending tariff for more information.

    We’ll set up your account
    If your application is successful, we’ll set up your account and send you a welcome pack.

    Click here to see the Business Loan documents

    Other services

    The Salvation Army

    We are proud to be the bank of The Salvation Army International. Find out more about our shared history.

    We are proud to be the bank of The Salvation Army International. Find out more about our shared history.

    Reliance Bank Limited,
    Faith House,
    23 - 24 Lovat Lane,
    EC3R 8EB

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