Help and Guidance

If you’re looking for further help, you’ve come to the right place!

This page includes:
Useful documents 
Frequently asked questions 
– If you still have a question, please fill out the form below 

Useful Documents

We would recommend you familiarise yourself with the following documents:

General Terms & Conditions (England and Wales)

General Terms & Conditions (Scotland)

Mortgage interest rates for individuals

Personal borrowers – change of address form


Early Repayment Charge – Standard/Discounted Variable Rates

An early repayment charge of three months’ interest is payable if you take out a mortgage with Kingdom Bank and transfer the mortgage to another lender within the first two or three years for the Standard and Discounted Variable rates respectively.

Mortgage Application Fees

An application fee of £300 is payable on application (non-refundable).

Solicitors’ Fees

Please contact us for details of fees for dealing with the Bank’s legal work. The Bank will require its own solicitor to act for the Bank in the setting up of the mortgage and the cost of this work is payable by the borrower.

Valuation Fees

Please contact us for an indication of the cost of an independent mortgage valuation. The Bank will require a mortgage valuation of the property from an independent surveyor on the Bank’s panel of surveyors and the cost of the valuation is payable by the borrower.

Our maximum Loan-to-Value is 80%. We will work with you to determine a LTV that is appropriate for your circumstances.

We can consider mortgages secured against some flats but there are circumstances when this may not be possible. Examples of these may be high-rise flats or those situated over shops, restaurants or offices. As flats are most often sold as leasehold the remaining term on the leasehold is also an important factor. Please contact us to discuss in more detail if you are considering purchasing a flat.

It is free to make an enquiry and to go through our Fact Find process (if applicable). When you submit a full application, we will ask you to pay the mortgage application fee. The total cost of taking a mortgage from Kingdom Bank consists of a mortgage application fee, property valuation fee, solicitor’s fees and the Bank’s fixed rate fee.

A term of up to 30 years is available but we realise that sometimes a shorter term is more appropriate.

We will require documents from you to verify your identity, income and expenditure. The exact documentation needed will vary depending on your particular circumstances. Please get in touch and we will be glad to discuss what’s needed.

We often arrange mortgages for missionaries living outside the UK and would be happy to discuss this with you.

We do, however, require your country of residence to be outside of the European Economic Area (EEA) due to European regulations. 

‘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.

We make every effort to provide an excellent service to our customers. Occasionally, however, things go wrong and we will make every effort to put them right. Please visit the complaints area of our website for information on how to pursue a complaint.

For more information on changing your mortgage rate, click here.

A Fact Find is a detailed questionnaire that looks at your circumstances and your personal preferences to enable a recommendation to be made for advised mortgages.

The Bank will appoint its own solicitor to oversee the transaction and you will be responsible for meeting the Bank’s solicitor’s fees. Using the same solicitor to also act on your behalf can often save on costs but you are free to choose your own solicitor if you prefer.

We need this report to ensure the property is suitable as security. Once the mortgage has been approved by the Bank’s Credit Committee, we will arrange a valuation by an approved valuer. We will obtain quotations from our panel of valuers to give you an indication of the costs involved before any arrangements are made.


Fill in this form and our team will contact you to answer any questions!