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Insurance

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Insurance

“We wanted a business partner who understood our church context” 

With many varied activities taking place in their church building each week, Cornerstone Church, Nottingham was faced with a dilemma – how to secure the right insurance for their ministries with an organisation who would understand their context?

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Insurance

Is your church insurance really protecting you? Six questions you need to ask

Find out if your policy is covering everything it should with these essential questions.

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Good News Stories

Kingdom Bank Group Insurance

Wigan Deanery applauds £58,000 (48%) insurance premium saving through Kingdom Bank.

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Insurance

7 insurance considerations when setting up a Foodbank

Thinking of starting a ministry to provide food supplies in your community? Our Head of Insurance, Barry Walker, shares his tips for things to think through before you do so.

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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
      • Get Started
      • Help and Guidance
      • Our Accounts
      • Savings Accounts
      • Cash ISAs
      • Individual Savings Bonds
    • Column 2
      • Church & Charities
      • Overview
      • Compare Accounts
      • Get Started
      • Help and Guidance
      • Our Accounts
      • Reserve Accounts
      • Deposit Accounts
      • Organisation Savings Bonds
    • Column 3
      • Businesses
      • Overview
      • Compare Accounts
      • Get Started
      • Help and Guidance
      • Our Accounts
      • Reserve Accounts
      • Deposit Accounts
      • Business Savings Bonds
  • Borrow
    • Column 1
      • Individuals
      • Overview
      • Home Mortgage
      • Home Mortgage with Consent-to-Let
      • Buy-to-Let Mortgage
      • Community Housing Mortgage
      • Retirement Interest-Only Mortgage
      • Student Loans
      • Get Started
      • Help and Guidance
    • Column 2
      • Churches & Charities
      • Overview
      • Premises Mortgage
      • Housing Mortgage
      • Community Enterprise Mortgage
      • Community Housing Mortgage
      • Get Started
      • Help and Guidance
  • Insure
    • Overview
    • Church Insurance
    • Charity Insurance
    • Business Insurance
    • Get Started
    • Claims
  • Property
  • About
    • Our story
    • We help churches grow
    • Why bank with us?
    • Impact Report 2025
    • Meet the team
    • Vacancies
    • Oversight
    • Combatting fraud
    • Resources
  • Blogs & Stories
  • Get Started
  • Online Banking

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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.