🏠 At 0% — a pure solidarity loan, maximising SCD's impact.

📈 At 3.5% — a competitive return while supporting community housing.

🏦 Best Cash ISA rates (~4.0–4.7%) are FSCS-protected and instantly accessible — bonds are neither.

🔒 Bonds are non-transferable; early repayment possible but not guaranteed.

💷 Denominated in GBP — international investors bear FX risk.