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WHAT WE DO

Manager of the Community Housing Funding Agency:

Community Finance is a social enterprise. We were established in 2019 with a primary focus of supporting New Zealand’s charitable CHPs with access to finance at scale and at lower cost. This can help these charities on the front line of the affordable housing crisis scale up and deliver desperately needed new social housing.

In 2024, Community Finance launched CHFA as a natural next step, in response to growing demand from the sector for our lending services.

This is why we are supporting organisations like The Salvation Army. Their work is demonstrated by the video below:

Moving to an affordable housing aggregation model was the logical upgrade needed for New Zealand. By pooling the sectors finance requirements, CHFA can offer much larger bond issuances on market standard terms, allowing us to raise more money, to support more homes. With its scale, credit rating and government support, CHFA makes the social bonds it issues more attractive to investors. This helps secure efficient, long-term finance for the community and affordable housing sector.

Community Finance established CHFA and also acts as its manager, bringing the strength of our team and experience to an improved model that can bring even greater positive impact for our country.

As manager, we operate on lower margins than many lenders, helping CHFA deliver more for its borrowers and investors.

Community Finance and CHFA have, as of September 2025, already raised and delivered over $300 million to help make a positive impact.

To learn more about the CHFA, visit: www.chfa.co.nz