Launch: 2018

Blend Funding Plc

Overview

Blend Funding Plc, established in 2018, is a financial aggregator who provides much-needed, competitively priced bond finance to housing associations across the UK. Blend benefits from the flexibility of its £5bn MTN Euro Note programme, granting it the ability to bring different maturities into the market. Blend was assigned an A2 long-term senior secured rating with “stable” outlook from Moody’s.

Blend Funding Plc in Numbers

£1.93bn

Total Capital
Outstanding

35

Housing Associations
Supported

A2

(stable) - Moody's
Rating

As of 1 December 2025

Key Advantages

Speed to Market

Allows HAs to take advantage of favourable rate opportunities

Flexibility on Maturity

HAs can select from existing maturities or partner to create new issues dependent on requirements

Pre-approved

Pre-approved limits create flexibility for fast access to capital

Strong Credit Rating

Pricing benefits from A2 stable rating from Moody’s

Limited Covenant Constraints

No corporate interest cover or gearing covenant clauses

Aggregation Access

Ability to aggregate across smaller HAs

Summary Terms

Purpose
  • General corporate purposes
  • Examples include to finance the purchase, acquisition, development, repair or improvement of property to be used for housing or the refinancing of existing loans for such purpose
Drawdown
  • Flexible drawdowns with the choice to defer for up to 36 months
Drawdown Timings
  • Up to 1 week for borrowers with signed instalment fee facility documentation
  • 2 weeks or less for pre-approved borrowers
  • 6 weeks for non credit approved borrowers
Repayment
  • Bullet
Maturity
  • New series can be issued for maturities up to 40 years
  • Existing bonds with the following maturities can also be tapped; March 2034, May 2036, December 2044, September 2047, April 2054, May 2057, June 2061
Rate Type
  • Fixed rate
  • Floating rate
Pricing
  • Transparent pricing
  • Secondary spreads competitive with the private placement market, some own name issuers and other HA aggregators
  • Ability to respond to reverse enquiries from investors
Liquidity Support
  • The loan can be used to support liquidity requirements prior to drawdown with a structured arrangement fee
Key Covenants
  • No corporate interest cover or gearing covenant clauses
  • No mergers and acquisitions or intra group support clauses
  • Asset Cover Test: 110% EUV-SH or 120% MV-STT
  • 100% Net Annual Income Cover
  • Liquidity Reserve Fund - 12 months interest

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We’re here to help you channel finance into lasting impact. Get in touch to explore how we can support your mission – one home, one partnership at a time.

Contact Details

Location

3rd Floor, 17 St. Swithin’s Lane,
London, United Kingdom, EC4N 8AL

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