Housing and Loan Fund

The help we provide

The Church of Scotland Housing and Loan Fund for Retired Ministers and Widows and Widowers of Ministers, to give the full title, was established by the General Assembly to facilitate the provision of housing accommodation for retired ministers and widows or widowers of ministers. Help may be by either providing a house to rent or by advancing a house purchase loan.

The trustees may grant tenancy of one of their existing houses or they may agree to purchase for rental occupation an appropriate house of an applicant's choosing. Leases are normally on very advantageous terms for rental levels. Alternatively, the trustees may grant a housing loan of up to 70 per cent of a house purchase price but with an upper ceiling. Favourable rates of interest are charged.

The trustees are also prepared to consider assisting those who have managed to house themselves, but are seeking to move to more suitable accommodation. Those with a mortgaged home in retirement may be granted a loan to enable them to repay such a mortgage and to thereafter enjoy the favourable rates of interest charged by the Housing and Loan Fund.

The trustees now also consider applications from separated and divorced spouses of working and retired ministers.

The application process

Ministers making application within five years of retirement, upon their application being approved, will be given a fairly firm commitment that either a house will be made available for renting or a house purchase loan will be offered. Only within nine months of a minister's intended retiral date will the trustees initiate steps to find a suitable house or only within one year of that date will a loan be advanced.

It is helpful to have initial applications submitted about 10 years prior to retirement when a minister may be given, without any commitment, a place on the preliminary application list. Enquiries and applications are dealt with in the strictest confidence.

Donations and legacies over the years have been significant in building up this Housing and Loan Fund and the backbone has been provided by congregational contributions.

Application form

Please download and complete the form below and send it in to Miss L Macmillan, The Secretary, Housing and Loan Fund, The Church of Scotland, 121 George Street, Edinburgh EH2 4YN. If sending by post, please mark the envelope Private and Confidential

Housing and Loan application form

Housing and Loan guidance notes

Should you have any further enquiries please email Lin Macmillan at lmacmillan@cofscotland.org.uk.

Meet the team

  • Chairman Rev Ian Taylor
  • The secretary Lin Macmillan
  • Property manager Hilary Hardy
  • Property assistant John Lunn