Join over 200 churches and charities growing their ministries
With over 60 years of experience, partner with a funder who understands churches and charities, and join over 200 borrowers who are have partnered with Christian Savings to help grow their ministries.
Rates available on request. Enquire Now or Request a Callback.
• Your organisation must have an established governance structure.
• You will need to be up to date with your financial accounts and relevant filing obligations and registrations.
• When applying, you will need to demonstrate that you can comfortably afford the proposed debt.
• You will need to submit properly prepared financial accounts for the last three years.
• Your operational cash flow will need to cover the projected servicing costs by 20% (DSCR of 1.2)
• All lending must be secured by property which can be mortgaged.
• The maximum loan-to-value ratios are 80% for residential property, and 60% for all other lending.
• To purchase a church building
• Housing for pastors
• Community housing
• Investment properties (rentals)
• Soup kitchen or other community facilities
• Capital expenditure
• Personal mortgage loans (at this stage)
• For cash flow or operational purposes in any instance where there is no security
• For any start-up ventures which have no established income streams
"Christian Savings has been pleasant to work with as there is a sense of truthfulness between the two parties.
It’s good that God’s vision is put first, ahead of everything else.
Both parities want to expand God’s Kingdom and do the work of His ministry to push the gospel to the ends of the earth."
