Parity Trust works in partnership with a number of local authorities across the south coast to deliver secured loans to homeowners for essential home improvements, adaptations and energy efficiency measures. We are dedicated to making homes decent to ensure that people can remain in their properties living in a warm, secure environment.

We have a number of borrowing options tailored to suit your circumstances. You can be assured of:

• A fixed rate of interest, guaranteed for the full term of the loan.
• The option to make overpayments or settle the loan in full without penalty.
• A dedicated loans officer who will work with you throughout the process.

Parity Trust is regulated by the Financial Conduct Authority for its regulated mortgage activities. Register Number: 504445

Home Improvement Loans are available to homeowners who require repairs, adaptations and improvement works to be carried out on their properties.

Maybe:

• You have a leaking roof
• Your boiler is broken
• Your windows are draughty
  

We can assist a diverse range of customers - we have no upper age limits and we can lend to people in receipt of various types of income, which may include benefits and pensions.

As we deliver the scheme on behalf of our council partners, the eligibility criteria relating to appropriate work can vary, so please contact us for more information.  

There are a number of borrowing options tailored to suit your circumstances. The loans officer will work with you to decide on the best option for you.

A fee nominal fee is payable which includes securing the charge at Land Registry, full details will be discussed with you and the fee is only payable if you proceed with the loan.

Further information can be found on our website.

Contact the team on 023 9237 5921 or
at mail@paritytrust.org.uk
or visit https://paritytrust.org.uk/

- we will speak with you to determine if we may be able to help, and if it is likely that we can proceed, we will arrange to carry out a full financial review.

We will arrange a time with you to carry out a financial review either online, or via a home visit. At the appointment we will run through your income, expenditure, savings and borrowings.

A credit check will be undertaken together with verification of property ownership.

Subject to approval of a loan, we will send you a Loan Illustration pack. If you decide to proceed you will be asked to sign and return a copy of the loan application.

On receipt of your signed application we will issue you with your formal Loan Offer pack, which includes the main loan agreement and a Legal Charge.

Once we have received all signed paperwork we will submit an application to register our Charge to H M Land Registry. When we have received confirmation that the loan has been secured, we will notify you.