Generously Backing Churches

Affordable Lending Options for Churches and Charities

Join over 200 churches and charities growing their ministries

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For Good Stewards

With over 60 years of experience, partner with a funder who understands churches and charities, and join over 200 borrowers who are have partnered with Christian Savings to help grow their ministries.

Rates available on request. Enquire Now or Request a Callback.

Lending Criteria

What to consider before contacting us

You must be a registered charity with a Christian purpose

• Your organisation must have an established governance structure.

• You will need to be up to date with your financial accounts and relevant filing obligations and registrations.

• When applying, you will need to demonstrate that you can comfortably afford the proposed debt.

• You will need to submit properly prepared financial accounts for the last three years.

• Your operational cash flow will need to cover the projected servicing costs by 20% (DSCR of 1.2)

• All lending must be secured by property which can be mortgaged.

• The maximum loan-to-value ratios are 80% for residential property, and 60% for all other lending.

What you can borrow for:

• To purchase a church building
• Housing for pastors
• Community housing
• Investment properties (rentals)
• Soup kitchen or other community facilities
• Capital expenditure

We do not lend for:

• Personal mortgage loans (at this stage)
• For cash flow or operational purposes in any instance where there is no security
• For any start-up ventures which have no established income streams

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Keeping your best interests at heart.

With over 60 years of experience specialising in Christian lending, we understand and support churches and Christian charities better than other lending institutions. Find out what option is best for your church or charity.
For Good Stewards

Commercial Loans

Suitable for churches and Christian charities. We offer a variety of financing options tailored to suit the specific, individual needs of each Christian ministry; from financing new facilities or renovations, to maintenance or refinancing existing loans.
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For Good Stewards

Residential Loans

For organisations looking to build, purchase or renovate houses, manses, vicarages or social housing. Learn more about our competitive variable and fixed interest rate options for residential loans.
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Build healthy churches with us.


church and charity projects financed in Aotearoa, New Zealand


partners and investors, including individuals, families, churches and organisations


years of experience, partnering with churches since 1962
Where we invest your funds

Growing investments, growing churches.

"Christian Savings has been pleasant to work with as there is a sense of truthfulness between the two parties.

It’s good that God’s vision is put first, ahead of everything else.

Both parities want to expand God’s Kingdom and do the work of His ministry to push the gospel to the ends of the earth."
Margaret Wu
Auckland Chinese Methodist Church, Borrower