Questions churches ask us

Many churches use a combination of their own savings and traditional bank finance. Double Honour can work with churches where conventional lending is insufficient or unavailable, subject to the church’s circumstances and the proposed property purchase.

There is no single borrowing amount that applies to every church. We begin by understanding your financial position, property requirements, fundraising progress, and existing funding options before structuring an appropriate solution.

Deposit requirements depend on the property and the overall funding structure. Double Honour’s role can include helping bridge a funding gap where church savings and traditional lending do not cover the full purchase price.

Potentially, yes. Bridging the gap between church savings, traditional lending, and the purchase price is one of the core situations Double Honour is designed to address.

In this context, it is funding provided to support a church or eligible church-related charity with a property purchase. The exact structure will depend on the transaction and the organisation involved.

There is no standard universal rate, and it largely varies based on the overall funding structure. Funding terms are structured for the individual transaction and will be explained before any commitment is made.

Loan terms are considered case by case. Please contact Double Honour with your circumstances so the team can discuss an appropriate structure.

Any applicable fees and costs depend on the nature of each transaction. Double Honour will set out the relevant terms prior to commitment as part of the consultancy and funding process.

Double Honour supports churches and church networks that endorse the Statement of Faith by the Evangelical Alliance and seek property solutions for ministry. Each enquiry is assessed on its own circumstances, structure, and property needs.

Double Honour works with churches and church-related charitable organisations. The appropriate borrower and ownership structure is considered as part of the transaction.

Yes, a smaller church can still start a conversation with Double Honour. Suitability depends on the organisation’s financial position, property requirement, and proposed funding plan rather than size alone.

Double Honour describes itself as a Christian organisation serving churches. If you are unsure whether your church fits Double Honour’s remit, please contact the team and they can confirm.

Newly planted churches can contact Double Honour. The team will look at the church’s financial position, fundraising progress, governance, and property requirements as part of the assessment.

The legal and ownership structure needs to be considered for each transaction. Please contact Double Honour with your organisation details so the team can advise on fit.

Audited accounts may not be a legal requirement for your church. In the absence of audited accounts, we require that the basic information be publicly available on the relevant Charity Commission database. Double Honour will confirm what financial information is needed after the initial discussion.

Yes. Helping churches purchase residential property for ministry is at the centre of Double Honour’s work, from funding strategy through property search, negotiation, and completion support.

Double Honour’s model is designed around housing for ministers and other gospel workers, subject to the legal and transaction structure of the particular purchase.

This depends on the timing, existing property, available capital, and lending structure. Double Honour can review the position with you and assess whether a workable funding plan is possible.

Double Honour focuses primarily on residential property for ministry. Suitability is assessed in the context of the church’s and the minister family’s needs and the proposed purchase.

Double Honour starts with a discovery consultation, then helps the church prepare to buy, find the right property, negotiate and secure it, manage the purchase, and complete the handover.

The exact documents depend on the church and transaction. As a starting point, Double Honour will need enough information to understand your financial position, fundraising progress, governance, and property requirements.

Timing depends on the complexity of the church, the proposed property, and the funding structure. Double Honour will be able to give a clearer timetable after the initial consultation.

Double Honour reviews your ministry needs, property requirements, and financial position, then works with you on a tailored property and funding strategy and the steps required to become ready to buy.

Funding can only be released once the agreed transaction requirements and documentation are in place. The exact timing is specific to each purchase.

Yes. Double Honour’s process includes coordinating with professionals such as solicitors, surveyors, valuers, mortgage advisers, and other lenders, if relevant, to help the transaction progress.

That is one of the main funding gaps Double Honour is designed to address. Double Honour can assess whether additional flexible capital can sit alongside the church’s savings and traditional lending.

Yes. Double Honour’s model can work alongside senior or traditional lenders as part of the overall capital structure, subject to the specific transaction.

The exact security and ranking of Double Honour funding depends on the transaction. Please contact the team for current terms rather than relying on a standard structure.

That will depend on the church, the property, and the funding requirement. Double Honour will assess whether it can provide funding and what funding structure may be available for the particular transaction.

Double Honour can still review the position with you. The team’s role includes looking beyond a standard mortgage and assessing whether a different sustainable funding structure is possible.

No. Double Honour also supports churches with financial analysis, funding structure, fundraising advice, property identification, negotiation, and daily transaction support through to completion.

Double Honour’s process includes coordinating with trusted professionals such as solicitors, surveyors, valuers, mortgage advisers, and lenders. The most appropriate advisers will depend on the transaction.

Yes. Double Honour’s current process is designed as end-to-end support, from the first discovery consultation through to completion and handover.

Yes. Understanding the church’s financial position and structuring a sustainable funding solution are core parts of Double Honour’s support before a purchase progresses.

Double Honour can help coordinate the funding process and support the church in discussions with its lenders and professional advisers.

Repayment terms depend on the funding structure agreed for the transaction. Double Honour will explain the economics and repayment profile before the church commits.

Early repayment terms are transaction-specific. Please ask Double Honour to confirm the flexibility available under the proposed funding structure.

There is no universal standard terms and policies, and it varies depending on the funding structure. Any early repayment provisions will be set out clearly in the agreed terms.

Double Honour will set out the applicable consultancy fees, funding terms, and transaction costs before commitment. If a particular cost is relevant to your structure, it should be addressed during the process.

Double Honour describes its funding approach as flexible and tailored. If circumstances change, speak to the team as early as possible so the position can be reviewed.

Double Honour is designed to complement situations where traditional lending alone does not solve the property funding need or when a church is not eligible for a standard bank mortgage. Depending on the transaction, Double Honour may be able to provide a different and more flexible funding structure alongside or instead of traditional lending. It combines flexible funding with specialist church, property, and finance support.

Yes. Double Honour is a Christian company helping churches buy homes for their ministers and as a long-term partner seeking to serve churches with integrity and stewardship.

Double Honour supports churches with financial analysis, capital structuring, fundraising advice, property search and assessment, negotiation, and support through to completion.

Double Honour’s team is comprised of the top-notch industry professionals who are dedicated to serving the Church with best-in-class expertise, so that the church resources can be safeguarded and wisely managed upon a foundation that will last for generations. The team brings over 150 years of combined experience across residential property sales and development, valuation, private equity, investment management, law and board-level advisory in the organisations that are globally recognised and acclaimed.

As of August 2026, Double Honour has helped 22 churches across the UK.