Loans
Broker Partnerships
Empowering impact-driven organisations with ethical financial solutions.
Partnerships that drive positive change
Our broker proposition is dedicated to supporting charitable organisations. We’re committed to empowering Australian charities, social enterprises and impact-led private businesses with a broad range of financial products and solutions.
As a member of our broker network, you’ll have access to:
- Specialised support from our dedicated broker relationship managers, who will assist you in developing and broadening client relationships.
- A dedicated broker relationship manager for every organisation that joins through our broker proposition, to support them on their mission journey.
Working with accredited brokers
Charity Bank works with accredited Australian finance brokers who hold the professional standards and credit authorisations their work requires, and who understand the organisations we lend to.
Accredited brokers and specialist lenders work closely together with the aim of supporting Australian organisations with the finance they need to thrive.
What loans is Charity Bank looking for?
We lend to:
1. Charities and organisations with a recognised social model and purpose, including registered community housing providers.
2. Impact-led private businesses operating in the following sectors:
Housing Sector
Focus on providing high-quality affordable social and community housing.
Health and Social Care
Including supported living, adults with disabilities, and aged care.
Children’s Care
Investment in children’s residential care homes, large foster homes, and related services.
Environmental Initiatives
Projects related to climate change mitigation, such as retrofitting buildings to reduce carbon emissions and biodiversity net gain.
Our Key Lending Criteria
Projects of every size
We consider residential and commercial projects of every size, and can work alongside other social lenders on the larger ones.
Secured lending
Secured against commercial or residential property. Non-speculative development is considered.
Demonstrable social impact
Organisations must be able to demonstrate high social impact and additionality — beyond affordable housing alone.
Typical loan purpose
Refinancing, property purchases, ‘rent to mortgage’, development finance, refurbishments and extensions, energy efficiency improvements, and cashflow.
Get in touch with our broker specialists
Submit an enquiry to our dedicated broker team through our Contact Us page and one of our regional managers will be in touch to discuss.
Contact our broker teamOur charitable lending expertise
Our regional lending managers specialise in charity and social-enterprise credit. They advise brokers on funding structures, security requirements and the application process from first enquiry to drawdown.
Daniel Nguyen
Director of Lending
Daniel has worked in secured lending for two decades, most of it with charities, community housing providers and social enterprises. He leads the relationship managers who take a loan from a first conversation through to drawdown.
“No two organisations we lend to are structured the same way. Our job is to understand yours properly before we suggest anything at all.”
Liam McCarthy
Head of Impact
Liam measures and reports what the bank's lending actually changes, and works with borrowers on the social outcomes behind each project. He previously ran evaluation for a national community services network.
“Impact is not a nice paragraph at the back of a report. We collect the evidence, we publish it, and we let it steer where we lend next.”
Aisha Hussein
Chief Risk Officer
Aisha oversees credit, operational and conduct risk across the bank and is the team's link to APRA and ASIC. She spent years in prudential supervision before moving to the other side of the table.
“Good risk management is not about saying no. It is about being honest early, so that a loan still works for the borrower in five years' time.”
