# Accessible Loans My Home Finance is a Deloitte Social Innovation Pioneer By Tiana Reid | Published 2012-05-17 | Social Good Source: Trend Hunter, https://www.trendhunter.com/trends/my-home-finance References: [bbc](http://www.bbc.co.uk/news/uk-england-11398174) & [myhomefinance.org.uk](http://www.myhomefinance.org.uk/) Selected as one of the Deloitte Social Innovation Pioneers, My Home Finance is a social enterprise based in London with a seemingly simple mission. The goal is to provide people with affordable and fair loans, access to bank accounts and savings. "You cannot get a bank account if you are on benefits or on a low wage," [Louise, a housewife, told BBC](http://www.bbc.co.uk/news/uk-england-11398174) in 2010. "With My Home Finance, they open a bank account, which means you can start your credit score off and can get direct debit sorted to pay bills. This is a way of getting a foot on the ladder." And that quote is a testament to the fact many people are shut out from mainstream financial services which can create a cycle of being unable to save and have healthy and prosperous finances. My Home Finance runs alongside a bigger trend of companies in urban centers, like [Fair Finance](http://www.trendhunter.com/trends/fair-finance1), attempting to create a more just world when it comes to finance. **Contact Information** My Home Finance [website](http://www.myhomefinance.org.uk/) ## Trend Insights (Trend Hunter) - Score: 2.2/10 - Popularity: 19% | Activity: 40% | Freshness: 8% - Audience gender: 50% men, 50% women - Primary generations: Millennial, Gen X - Top markets: North America, Europe ## Categories [Trend Hunter](https://www.trendhunter.com/trends) > [Social Good](https://www.trendhunter.com/socialgood) > [Social Business](https://www.trendhunter.com/socialbusiness) ## Key Themes ### Key Themes Behind This Trend - **Affordable Loans:** Disruptive innovation opportunity: Develop innovative loan products that are affordable and accessible to people who are shut out from mainstream financial services. - **Access to Bank Accounts:** Disruptive innovation opportunity: Create innovative banking solutions that provide access to bank accounts for individuals on benefits or low wages. - **Financial Inclusion:** Disruptive innovation opportunity: Implement strategies and technologies to promote financial inclusion and help individuals build a credit score and improve their financial health. ### Where This Applies - **Social Finance:** Disruptive innovation opportunity: Pioneer the field of social finance by developing financial products and services that cater to the needs of underserved populations. - **Fintech:** Disruptive innovation opportunity: Leverage technology and innovation to create inclusive fintech solutions that bridge the gap in access to banking and financial services. - **Microfinance:** Disruptive innovation opportunity: Explore the potential of microfinance models to provide affordable and fair loans to individuals who have limited access to traditional lending institutions. ## Related on Trend Hunter - [Supportive Property Purchase Applications](https://www.trendhunter.com/trends/property-purchase.md) - [Personal Loans Marketplaces](https://www.trendhunter.com/trends/personal-loans-marketplace.md) - [Mortgage Rewards Platforms](https://www.trendhunter.com/trends/mortgage-reward.md) - [Accessible Home Improvement Services](https://www.trendhunter.com/trends/accessible-home-improvement.md) - [Friendship-Focused Finance Agreements](https://www.trendhunter.com/trends/friends-over-money.md) - [Responsible Lending Platforms](https://www.trendhunter.com/trends/enova.md) - [Accessible Smart Money Apps](https://www.trendhunter.com/trends/fina-finance-app.md) - [Youth-Focused Financial Literacy Guides](https://www.trendhunter.com/trends/lakefront-finance.md) - [Comforting Financial Pop-Ups](https://www.trendhunter.com/trends/experian.md)