Home Mortgage with Consent-to-Let
Planning ahead for your future home? Let it now, live in it later.
If you are in full time Christian ministry, your current housing may be provided by your church. While this is a valuable blessing for today, you may be thinking about where you will live in the years to come.
Purchase the property you intend to live in later, while letting it out in the meantime. It is a way to invest in your future home now, with the flexibility to generate rental income as you continue to serve where you are.
Mortgage information
2-Year Fixed Rate |
5-Year Fixed Rate |
Standard Variable Rate |
Discounted Variable Rate* |
|
|---|---|---|---|---|
| Rate fixed for | 2 years | 5 years | N/A | N/A |
| Interest rate | 5.35% | 5.55% | 6.45% | 5.40% |
| Arrangement Fee | £600 | £600 | N/A | N/A |
| APRC | 6.63% | 6.44% | 6.79% | 6.47% |
| APRC details | Based on a mortgage borrowing amount of £100,000 over 25 years at 5.35% for the first 2 years, increasing to the Bank’s Standard Variable Rate (6.45%) for the remainder of the mortgage. | Based on a mortgage borrowing amount of £100,000 over 25 years at 5.55% for the first 5 years, increasing to the Bank’s variable rate (6.45%) for the remainder of the mortgage. | Based on a mortgage borrowing amount of £100,000 over 25 years at 6.45%. | Based on a mortgage borrowing amount of £100,000 over 25 years at 5.40% discounted for the first 3 years, increasing to the Bank’s variable rate (6.45%) for the remainder of the mortgage. |
2-Year Fixed Rate
5-Year Fixed Rate
Standard Variable Rate
Discounted Variable Rate*
Mortgages with a purpose
At Kingdom Bank, your mortgage is more than a financial transaction. It is a partnership in Kingdom work. The funds we lend support those in ministry, mission and Christian service, helping them secure a home while continuing to serve God’s people.
Understanding your calling
We specialise in working with church leaders, missionaries and Christian workers. We take time to understand your unique situation and assess applications personally, rather than relying solely on standard income models used by mainstream lenders.
Support from people who care
Our experienced team is here to walk with you every step of the way. From your first enquiry to completion, we offer honest advice, prayerful support and a personal service rooted in our shared faith.
We're a Christian bank that helps churches grow
101
new mortgages provided in 2024.
£ 26.7 m
given in mortgages for Christian ministry in 2024.
826
new savings accounts opened in 2024.
95 %
Customer Satisfaction (CSAT) score.