Home Mortgage
Helping you buy a UK home while you serve God’s Kingdom.
- Your UK home.
- Fully owned by you, or under shared ownership.
We know buying a property can be difficult when your primary earnings are from the church or as a missionary. Unlike some High Street lenders, we are familiar with the nature of your work and income.
We’ve supported many ministry workers to buy their own home using a Personal Mortgage, and would be delighted to explore whether we could do the same for you.
We currently offer full ownership or shared ownership mortgages.

Shared Ownership
We understand not everyone is in the position to buy a property outright, so you may be considering a Shared Ownership option.
Shared Ownership gives you the opportunity to acquire a stake in your own home when full house prices might otherwise be out of reach.
If you are considering a shared ownership mortgage you will first need to be approved by a Shared Ownership provider/Housing Association. If you have found a provider and want to take the next step please give us a call.
Typically, buyers purchase 25%-75% of the property with a deposit and a Kingdom Bank Home Mortgage. The remaining percentage is owned by a Housing Association or other property ownership specialist organisation such as Mission Housing.
You can see more about how a Shared Ownership Mortgage with Mission Housing would work here.
Depending on the arrangement, you may be able to purchase a larger share in the house if and when your financial situation changes.
We may be able to offer a mortgage for up to 90% of the share of the house you purchase. This means that you will typically need a lower deposit than for a traditional mortgage, giving you the helping hand you need to own your own home.
To find out more about how Shared Ownership could help you, get in touch.
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
Customer Story
James and Emma are missionaries in Kenya with three adult children who study and work in the UK. They wanted to ensure their children had a UK base for university holidays and a place where the family could all be together. James and Emma struggled to secure a mortgage with a High Street lender who didn’t understand their circumstances or the nature of their income.
With a Kingdom Bank Home Mortgage, James and Emma were able to purchase and renovate a house close to their sending church.
*Story based on the experiences of real customers. Names and places have been anonymised.

Interest rates
Current interest rate 5.60%
- Available to borrowers where loan-to-value is less than 75% and affordability is above 150%
- Rate fixed for 2 years.
- Additional arrangement fee of £600.
- The overall cost for comparison is 6.90% APRC*
*The above APRC is based on a mortgage borrowing amount of £100,000 over 25 years at 5.60% for the first 2 years, increasing to the Bank’s Standard Variable Rate (currently 6.70%) for the remainder of the mortgage.
Current interest rate 5.80%
- Available to borrowers where loan-to-value is less than 75% and affordability is above 150%.
- Rate fixed for 5 years.
- Additional arrangement fee of £600.
- The overall cost for comparison is 6.71% APRC* across all personal mortgages.
*The above APRC is based on a mortgage borrowing amount of £100,000 over 25 years at 5.80% for the first 5 years, increasing to the Bank’s variable rate (currently 6.70%) for the remainder of the mortgage.
Current interest rate 5.20%
- Available within shared ownership arrangements where loan-to-property-value is less than 75%, loan-to-share-value is less than 90%, and affordability is above 150%
- Rate fixed for 3 years.
- Additional arrangement fee of £600.
- The overall cost for comparison is 6.67% APRC*
*The above APRC is based on a mortgage borrowing amount of £100,000 over 25 years at 5.20% for the first 3 years, increasing to the Bank’s Standard Variable Rate (currently 6.70%) for the remainder of the mortgage.
Current interest rate 6.70%
- Available to borrowers where loan-to-value is less than 80% and affordability is above 150% for owner-occupiers and 110% for Buy-to-Let.
- This rate is managed by Kingdom Bank and is reviewed monthly.
- Borrowers are given 14 days’ notice of any changes in the interest rate payable.
- The overall cost for comparison is 7.06% APRC*
*The above APRC is based on a mortgage borrowing amount of £100,000 over 25 years at 6.70%
Current interest rate 5.65%
- Available to borrowers where loan-to-value is less than 75% and affordability is above 150%.
- The discount applies to our Standard Variable rate (currently 6.70%) and is for a 3-year term, after which point it will revert to our Standard Variable rate.
- Although the level of discount will stay the same for the first 3 years, the actual rate payable may change in line with any changes to our Standard Variable rate.
- Borrowers are given 14 days’ notice of any changes in the interest rate payable.
- The overall cost for comparison is 6.74% APRC* across all personal mortgages.
*The above APRC is based on a mortgage borrowing amount of £100,000 over 25 years at 5.65% discounted for the first 3 years, increasing to the Bank’s variable rate (currently 6.70%) for the remainder of the mortgage.
How to apply
To see whether Kingdom Bank could provide you with a mortgage, please complete the form below. One of our friendly Christian mortgage team will be in touch to discuss your plans.
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.