Houses to homes loan
Page updated on: 21/07/2026
The Houses to Homes initiative offers loans to assist in bringing much needed empty properties back into use as residential homes.
- Loans are available for properties empty for six months or more.
- Loans to convert empty commercial properties into residential accommodation are considered. We will only consider a loan application if the relevant planning permission has been granted
- The maximum loan amount you can apply for is £35,000 per property or unit, up to a maximum of £350,000 per applicant (ten units)
- Any loan offered, taking into account any existing mortgage, cannot exceed 80% of the current property value.
It is possible in certain cases for another property to be used as security for the loan.
The finance may be used for:
- a property you intend to sell - these loans would have a maximum two-year repayment period
- A property you will rent – these loans would have a 3-7 year repayment period
Approved loans will be subject to a number of conditions to ensure that the fund can assist in turning other empty properties into homes.
