Your eligible deposits with Methodist Chapel Aid Ltd are protected up to a total of £85,000 by the Financial Services Compensation Scheme, the UK's deposit guarantee scheme. Any deposits you hold above the £85,000 limit are unlikely to be covered.

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Property loans for churches

Whether it's for wheelchair access or a new building we help churches make a real impact in the community by making loans at the lowest practicable rates of interest!

More about our property loans

"…with the knowledge that MCA would be able to offer the Church Council a loan, it was agreed to proceed with the building work…to provide facilities which were fit for purpose and of high quality…and the Archbishop of York John Sentamu dedicated the building."
Emmanuel Church Trustees, Saltburn

We provide loans to churches and associated organisations at the lowest practicable rate of interest. Our loans are primarily intended to enable churches to acquire, develop or repair church buildings for the benefit and inspiration of the church and community.

We seek to operate to the highest standards of ethical behaviour in all that we do.

fscs - Protecting your money - Find out more here

Deposit Accounts

We have a range of deposit accounts with highest practicable rates of interest.

More about our deposit accounts


Get a property loan

If your Christian church needs funding to improve its buildings or facilities then we can help

At MCA we provide the right kind of loan facility to enable a project to begin quicker, often giving the benefits of cost savings as well as maintaining the initial momentum and enthusiasm of the congregation or trustees.

With over 125 years’ experience our funding is specifically for Christian churches and associated organisations. Our loans are generally from £25,000 up to £750,000 (see note below) and we offer flexible tailored finance for each situation.

We provide term loans for building projects and bridging loans for manse purchases. We also provide loan financing to a wide variety of projects from the installation of solar panels to new build projects and extensions.

Note: The maximum available amount loan will be assessed against various factors including the size and nature of the project, the denomination of the borrower (if applicable), the security available and the loan term. Please contact us for further information.

The benefits of MCA property loans

Low interest rates

Low rates of interest are charged and there are no penalties for early repayment.

Start promptly

The benefit of being able to start a project at an early stage before costs start to escalate.

Easier Process

Loans up to £60,000 are unlikely to require a legal charge over the property.

Download our 'MCA Funding you can trust' pdf for further information

Convenient payments

Loan repayment pattern – 6 monthly repayments of capital and interest over the life of the loan.

Flexible terms

Whilst smaller loans are normally repayable over 4 to 5 years, individual consideration will be given to longer-term loans for larger projects.

Committed support

There is the possibility of arranging a site visit by one or more representatives from MCA or for representatives from the church or associated organisation to visit the MCA offices if this is preferable.

"We are so grateful to MCA for partnering with us and providing the necessary finance."
Stephen Gorton, Operations Manager
Holy Trinity Church, Leicester

Interest on loans (from 1 November 2023)

Type % APR%
Term Loans from 5.65 5.75
Bridging Loans from 6.65 6.90
  • Rates shown are per annum variable.
  • Term loan rates are for loans made to trustee bodies for building work.
  • Bridging loan rates are for loans made to trustee bodies for manse replacement.
  1. The MCA interest rates shown are variable. They are reviewed by the MCA Board on a frequent basis but are always kept at the lowest practicable levels and with the needs of its borrowers in mind.
  2. Interest is charged on loans on 30 June and 31 December. APR is the annual percentage rate of interest on loans.

Enquire about your property loan

Leave your details below and our friendly team will get in touch.

Or you can also contact us at: 53 Walmgate, York, YO1 9TY
Tel: 01904 622150 | E-mail: info[AT]mcafundingforchurches[DOT]co[DOT]uk