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Useful Documents

Home » Borrow » Churches & Charities » Useful Documents

Useful Documents

Existing customers will find various forms and documents relating to their accounts detailed below. 

If you need any assistance with these forms please don’t hesitate to contact us.

Downloads

  • Non-personal (church, charity, Association, Trust) account mandate
  • Change of correspondent form
  • General Terms and Conditions (England & Wales)
  • General Terms and Conditions (Scotland)

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Kingdom Bank Limited is registered in England and Wales No. 4346834. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Registered Office: Media House, Padge Road, Beeston, Nottingham NG9 2RS. Our Financial Services Register number is 400972. View The Financial Services Register

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  • Home
  • Save
    • Column 1
      • Individuals
      • Overview
      • Compare accounts
      • Open an account
      • FAQs
      • Useful Documents
      • Our accounts
      • Easy Access Account
      • Personal Gospel Partner Account
      • Young Gospel Partner Account
      • 90-Day Notice Deposit Account
      • Individual Savings Bonds
      • 32-Day Notice Cash ISA
      • One Year Fixed-Rate ISA
      • Two Year Fixed-Rate ISA
    • Column 2
      • Church & Charities
      • Overview
      • Compare accounts
      • Open an account
      • FAQs
      • Useful Documents
      • Our accounts
      • No Notice Account
      • Organisation Gospel Partner Account
      • Church & Charity Flexible Reserve Account
      • Church and Charity Higher Rate Reserve Account
      • Organisation Savings Bonds
  • Borrow
    • Column 1
      • Individuals
      • Overview
      • Home Mortgage
      • Home Mortgage with Consent-to-Let
      • Buy-to-Let Mortgage
      • Community Housing Mortgage
      • Student Loans
      • How to Apply
      • FAQs
      • Useful Documents
    • Column 2
      • Churches & Charities
      • Overview
      • Premises Mortgage
      • Housing Mortgage
      • Community Enterprise Mortgage
      • Community Housing Mortgage
      • How to Apply
      • FAQs
      • Useful Documents
  • Insure
    • Column 1
      • Products
      • Overview
      • Church Insurance
      • Charities, Clubs and Not-for-Profit Organisations
      • Event Insurance
      • Minibus Insurance
      • Trustee, Director & Officer Indemnity
    • Column 2
      • Claims
      • FAQs
  • About
    • Our story
    • We help churches grow
    • Why bank with us?
    • Meet the team
    • Vacancies
    • Combatting fraud
    • Resources
  • Blog
  • Good News Stories
  • Contact us
  • Log in

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How much can I borrow?

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.