What does the cryptic crossword clue "Freeloader in shelter next to church (5)" mean?

This cryptic clue uses wordplay to arrive at the answer. Visit the page for progressive hints — definition, wordplay type, and a full step-by-step explanation.

Freeloader in shelter next to church (5)

Guardian Cryptic #29665 | 3 Down | 2025-04-10 flower

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