Community Enterprise Mortgage

Giving you the financial support to bring hope to your community.

Across the UK, churches and Christian charitable projects are bringing hope, purpose, connection and opportunity to their communities.

Whether you are looking to buy new property, renovate an existing one or even build one from scratch, a Community Enterprise Mortgage could provide you with the funding you need.


Customer Story

Sue’s church meets in a deprived area where school attendance is poor and youth crime rates are high. Sue and several other church members have professional experience in social work and teaching. A Community Enterprise Mortgage from Kingdom Bank enabled the church to open a community youth centre where Sue and others now volunteer, providing mentoring, support and fun for the young people in their community, as well as a new route into the church family.

*Story based on the experiences of real customers. Names and places have been anonymised.

Interest rates

We work closely with churches and charities to understand their circumstances, enabling us to offer the best rates we can.

Please do get in touch to discuss your situation and find out whether we could provide your organisation with a mortgage.


The interest rate is a bank managed rate of 0.25% Gross/AER.

Interest accrues on the daily balance at the rate notified to you from time to time.

Interest is added to or deducted from the account on the 31st December each year.


As this account pays a variable rate of interest it can change over time and the general  terms and conditions explain how this happens. We will always let you know of any planned changes to the rate. For example, we may review our interest rates if the Bank of England base rate changes.

If you deposit £1,000.00 when you open the account, the balance after 12 months will be £1,002.50.

This assumes:

  • You do not withdraw any money and interest is paid into this account.
  • The interest rate stays the same.
  • You do not add any more money.

A minimum deposit of £1 is required when opening an account.

You can either apply for an account through our website, by clicking here or alternatively you can download an application form to complete and post to us. This form can be found here. If you would like us to send you an application form in the post, please get in touch.

Once a fully completed application form is received in the post and the necessary checks have been carried out by our team  we will be delighted to open your account with us.

If you change your mind, you can advise us in writing, and we will cancel the account free of charge within 14 days of opening.

Deposits can be added at any time, by internet banking, standing order, card payment or post.

You can register for online banking which will allow you to manage your account online. Alternatively this account offers a telephone banking functionality.

All withdrawals are made to a nominated account, either via online banking or by calling us. You are also able to request withdrawals in writing.


You can make withdrawals from this account by giving 32 days’ notice and there is no charge for doing so.

All withdrawals must be made to an account in the same name.

No charges or penalties (except those referred to in out terms and conditions where we permit early withdrawal at our discretion and any charges on transfer before maturity or notice period served) apply to these accounts.

Complete the form below to find out whether Kingdom Bank could provide you with a mortgage. One of our friendly Christian mortgage team will be in touch to discuss your plans.

You must be a registered charity to apply for this mortgage.
This is generally a requirement – please give us a call to discuss.
This is generally a requirement – please give us a call to discuss.
This is generally a requirement – please give us a call to discuss.
This is generally a requirement – please give us a call to discuss.

You can also call us on 0115 921 7280 to discuss your enquiry.

Your property may be repossessed if you do not keep up repayments on your mortgage.