When you open an account with Kingdom Bank, we’re able to lend to churches, charities and gospel workers so that their ministries can flourish and grow.
Whether you’re a church looking to borrow funds for a property project, or a ministry worker who wants to buy a home, we’re here to help. Explore our mortgages for churches, charities and individuals.
Most Christians, churches and charities deposit their money with high street banks, without realising that their money could be put to work for so much more.
Put your money to work.
Kingdom Bank helps you activate your savings by putting them to work for the Kingdom. When you deposit with us, we are able to help churches, ministries and gospel workers throughout the UK with the funds they need to purchase, develop or build property to facilitate their ministry.
You grow, they grow.
With us, you can use your money to support Kingdom work without making a donation or giving it away. Secure with us, your savings will continue to grow as they’re used to help churches grow, until you need to access them again.
See your impact.
Churches resourced, ministry workers supported, and gospel projects financed – when you place your money with us, you get to see the impact of your partnership in a shared gospel mission, with the peace of mind that your money is in safe hands.
We spoke with Kristin Johnson about how a Kingdom Bank mortgage has helped her and her husband to purchase their own home in Aberdeen, as they try to reach their community with the hope of the gospel.
For over 65 years, Kingdom Bank has been partnering with Christians to help churches grow. By providing savings, mortgages and insurance purpose-built for Christian ministry, we’ve seen hundreds of churches released to do what God has called them to do – to plant, build and grow.
For over 65 years, Kingdom Bank has been partnering with Christians to help churches grow. By providing savings, mortgages and insurance purpose-built for Christian ministry, we’ve seen hundreds of churches released to do what God has called them to do – to plant, build and grow.
For personal mortgages our maximum mortgage is 4.5x your gross annual income subject to affordability. Buy-to-lets are assessed on the rent achieved from the property.
Loan-to-property-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.
Loan-to-share-value
The ratio between the sum of money lent on a mortgage agreement and the value of the share of the security property owned by the customer, as confirmed by the Bank.
APRC
‘APRC’ stands for ‘Annual Percentage Rate of Charge’. Mortgage Lenders now have to include any mortgage related fees, redemption charges and valuation fees as part of the annual interest calculation when quoting an interest rate and this is referred to as the APRC.
Affordability
A comprehensive assessment of income and expenditure both currently and in the foreseeable future.
Loan-to-value
The ratio between the sum of money lent on a mortgage agreement and the value of the security property as confirmed by the Bank.