If you’d like to begin the process of applying for a personal mortgage, here’s how to go about it.
Option 1
If you would like to have an initial conversation about whether a Kingdom Bank mortgage could be right for you, please complete the ‘Get in touch’ form below or call our friendly mortgage team on 0115 921 7280.
Option 2
If you already know the amount you would like to borrow and are ready to proceed, you might like to complete our online personal mortgage information form.
We’ll aim to be in touch to discuss your enquiry on the next working day.
Get in touch
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 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.
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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.