Find out how to apply for a unique home improvement loan service in partnership with the council, to provide subsidised, low interest loans tailored to what you can afford.
What is the Home Trust Loan?
The Home Trust Loan is designed for homeowners whose properties need essential repairs, improvements or adaptations and who do not have the funds available to carry out the work.
Our service is dedicated to helping those who are finding it difficult to access financial assistance. The Home Trust Loan scheme provides you with support and guidance throughout the loan process.
Who Provides the Loan?
The Home Trust Loan is provided by Parity Trust, an ethical, socially responsible lender, working in partnership with the council. Loans are secured and supported by the council, guaranteeing a low interest rate, which is fixed for the full term of the loan.
What Can You Use the Home Trust Loan for?
Subject to eligibility:
What are the Benefits?
Low cost and tailored to your needs - designed to suit your budget
Guaranteed, fixed rate - a low, fixed rate of interest, guaranteed for the full term of the loan
Specialist service - we offer the support of a dedicated Home Trust Loan officer who is able to carry out home visits.
Help with contractors - the council can assist you to obtain quotes from a reputable contractor
Final inspection - once the work is finished a final inspection can be arranged to ensure that you are satisfied with the works
Early settlement - you may make overpayments or settle the loan in full without penalty
Download Leaflet and Apply Online
For full details, loan amounts and interest rates, download the Home Trust Loan information leaflet in PDF format below, or go to the Home Trust Loan website to apply online using the link from this page.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Home Trust Loan products are provided exclusively by Parity Trust, the trading name of the Portsmouth Area Regeneration Trust (Guarantee) Limited. No. 3977373. Authorised and regulated by the Financial Services Authority for regulated mortgage activities. FSA Register Number 504445.