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3 Spital Yard
Spitalfields, , E1 6AQ
United Kingdom

020 7925 0199

The AHF appreciates that neglected buildings which are all too familiar in our towns, cities and countryside can, with a little imagination and a lot of enthusiasm, be rescued to become assets for their communities by people wanting to make a difference. The AHF has helped hundreds of organisations throughout the UK to do exactly that.


Heritage Projects Fund

Heritage Projects Fund

This is the AHF’s general lending scheme which has proved so popular across almost four decades. We are able to support projects in England, Scotland, Wales and Northern Ireland by way of our four specific Lending Funds, subject to availability of capital funding at any given time:

  • Heritage Projects Fund: England
  • Heritage Projects Fund: Scotland
  • Heritage Projects Fund: Wales
  • Heritage Projects Fund: UK

Loan facilities are available to support projects which involve a change of ownership and / or bring about the beneficial re-use of historically important and usually require some form of security, either a first legal charge or a repayment guarantee from a local authority. The long-term sustainability and viability of any project or enterprise is crucial to us when considering an application and this we will be interested to hear of your long term plans as well as you more immediate intentions.

Our Terms

The Heritage Projects Fund is open to UK organisations with a built heritage focus, which operate on a not-for-private profit basis, and which bring about demonstrable and positive impacts upon their respective communities and society as a whole. 

  • Investment sum:    £15,000 - £1,000,000
  • Interest Rates:        typically 6-10%
  • Arrangement fee:  1-2.5%
  • Term of loan:            6 months – 5 years                            

Other fees may be required depending upon the nature of the application such as a Commitment Fee, and the legal costs incurred by the AHF will be borne by the applicant. Facilities can be structured in a number of ways; for instance, repayments could be subject to an initial holiday, or all accruing interest could be rolled up and repaid in full along with the capital sum at term expiry.

The Investment Team will be happy to give further details and advice.

Eligibility Criteria

  • The legal form of the organisation which is applying must be one which is currently eligible for existing AHF loan programmes.
  • Applicants must be based in the UK.
  • The building must have statutory protection through national listing, or be in a Conservation Area.
  • Applicants must demonstrate how financial assistance from the AHF will enable it to provide demonstrable social impacts.
  • The AHF can normally lend up to 70% of the estimated open market resale value of any acceptable property or land over which it takes a first charge.  If this is the project building for which the loan is required, it can lend up to 70% of the property's estimated "end value" (the projected value once work has been completed).
  • Upon application, the following must be provided to the AHF’s satisfaction:

  • governing documents (with asset lock and power to borrow, and objectives which clearly state a social purpose);
  • a contemporary business or development plan;
  • a minimum of three years’ cashflow forecasts;
  • evidence of statutory listing or conservation area details within which the building is situated;
  • mini-biographies of all Directors/Trustees; 
  • any other supporting documentation which may be helpful (eg. costings, valuation report, etc.).