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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

Facilities are available to support projects which involve a change of ownership and / or bring about the beneficial re-use of historically important buildings, 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 we will be interested to hear of your long term plans as well as you more immediate intentions. 

Our Terms

The Fund is open to UK-based 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%
  • Term of loan:            6 months – 5 years                            

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, if projected income allows for this. The Investment Team will be able to advise further.

Please contact a member of the AHF’s Investment Team before submitting any application.

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 should 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.  
  • 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 social purpose);
    • a business or development plan;
    • a minimum of three years’ cashflow forecasts;
    • details of any security being offered;
    • evidence of statutory listing or conservation area within which the building is situated;
    • mini-biogs of all Directors/Trustees;
    • any other supporting documentation which may be helpful (eg. costings, valuation report, etc.).

Small Print

Rates: As is usual with many social investors, our interest rates are decided through risk-adjusted pricing, in that it is based upon the strength of each application we receive, and the security that is available. 

Security: To protect its charitable funds, and in line with sensible lending practice, the AHF seeks security for its facilities wherever possible and practical. This is so that, if something unforeseen were to happen, there would be an opportunity to recover some of the funds. Examples of suitable forms of security acceptable under this programme are: legal charge or standard security; debenture; personal guarantee; repayment guarantee offered by a Local Authority. Unsecured loans will also be considered.

Costs and fees: Loans attract an arrangement fee, typically between 1 – 2% of the value of the loan, depending upon the nature and complexity of the application. Legal fees incurred by the AHF and any necessary valuation fees are borne by the Borrower. Other fees may be required depending upon the nature of the application such as a Commitment Fee.

Generally there will be no penalty for early repayment of any of our investments.