Impact
2025–26 · Audited figures
What the money does —
measured, not implied.
These figures cover our most recent financial year (April 2025 – March 2026) and are independently audited. The full report and accounts are below, alongside outcomes data collected with applicants' consent.
£4.8m
Total lent and granted in the last financial year
1,940
Households directly supported
97.4%
Of loans on or ahead of repayment schedule
£0
Spent on commissions, finders' fees, or paid trustees
§ I · By category
Where the money went,
to whom, for what.
| Category | Loans | Grants | Households |
|---|---|---|---|
| Rent & housing | £1,180,000 | £420,000 | 412 |
| Debt relief | £1,040,000 | £185,000 | 296 |
| Emergency expenses | £640,000 | £310,000 | 388 |
| Medical costs | £420,000 | £275,000 | 224 |
| Education | £305,000 | £120,000 | 184 |
| Family support | £195,000 | £140,000 | 167 |
| Elderly support | £160,000 | £95,000 | 109 |
| Total | £3,940,000 | £1,545,000 | 1,780 |
Households figure excludes 160 additional households who received non-financial signposting only. Some households are supported across more than one category — count reflects unique households per row.
§ II · Outcomes (not outputs)
Did it actually help?
Four ways we measure.
Counting pounds spent is the easy part. We also track outcomes against established UK frameworks — MaPS (Money & Pensions Service), WEMWBS (Warwick-Edinburgh Mental Wellbeing Scale), and soft credit-file outcomes with applicant consent.
Self-reported financial confidence
Before
2.1 / 10
After
6.8 / 10
Measured at application and again six months after final repayment, on a standard MaPS Wellbeing Index sub-scale.
Households reporting improved mental wellbeing
Before
—
After
78%
Self-reported at six-month follow-up. Measured against the WEMWBS scale used by NHS Digital.
Households who avoided high-cost credit during the loan
Before
—
After
91%
Reported at three-month and six-month check-ins. Verified by soft credit-file enquiry with consent.
Households still in stable housing 12 months after support
Before
—
After
94%
Of households whose loan or grant addressed a housing need.
§ III · In their own words
Three short accounts.
Names and details, with permission.
Rent shortfall
“When the housing benefit calculation changed, we were £170 short on rent every month. Unity Relief gave me a no-interest loan for £2,100 to clear three months of arrears while I worked out a long-term plan with my caseworker. The repayments are £58 a month. The peace of mind is worth more than that.”
— Mariana, 38, Hackney, London
Home adaptations
“After my fall I needed a stairlift and the council waiting list was two years. Unity Relief covered £4,400 as a grant — not a loan, because I had no way of repaying it on a pension. The stairlift arrived in three weeks. I have not fallen since.”
— Iqbal, 71, Pollokshields, Glasgow
Childcare during job search
“Both of us had been made redundant in the same month. We needed childcare while we went to interviews, but couldn't afford it without an income. A small grant from Unity Relief paid for two months of nursery. We're both back in work now and the cycle is finished.”
— Aled & Ffion, Splott, Cardiff
Names changed and details lightly anonymised in some cases — every participant reviewed and approved the final text before publication. We do not use stock photography or composite case studies.
§ IV · Annual reports
Full accounts.
Every year.
All annual reports are also publicly searchable on the Charity Commission for England & Wales register, OSCR (Scotland) and the Companies House public record.
2025–26
Annual report & financial statements
Audited by Sayer Vincent · Filed with Charity Commission · June 2026
2024–25
Annual report & financial statements
Audited by Sayer Vincent · Filed with Charity Commission · June 2025
2023–24
Annual report & financial statements
Audited by Sayer Vincent · Filed with Charity Commission · June 2024
2022–23
Founding year — abbreviated accounts
Reviewed · Filed with Charity Commission · June 2023
A note on what we don't measure
We do not measure dignity, the quietness of a night not spent worrying, the steadiness of a conversation across a kitchen table. We notice these things, in passing, when applicants write to thank us. We do not turn them into KPIs — but they are the most important things our work does.