How can we help?

To find the information you need about your mortgage please use the filter below: select who you are and what you are looking for and the appropriate information will appear on this page.

I am

select customer type
  • New customer
  • Coming to the end of my deal
  • Changing my circumstances
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and I’m looking for

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  • Information about Kent Reliance mortgages
  • Shared ownership mortgage options
  • Buy to let standard mortgage options
  • Residential mortgage options
  • Buy to let ex-pat mortgage options
  • Additional borrowing information
  • Changing my mortgage information
  • Moving home information
  • Help paying my mortgage
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  • Letting my home information
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  • Information on changing my address
  • Information

my account number begins

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Thank you for your interest in taking out a new mortgage with Kent Reliance. We need to let you know that we are not authorised to provide advice on this. Any assistance we provide is strictly limited to basic information and administration of your request.

We only accept new mortgage applications from appropriately qualified mortgage advisers.

If you need advice, or wish to submit an application, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

FAQs


  • If you can't help me, can you recommend an adviser?

    We cannot recommend a mortgage adviser for you, however the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I have seen a great mortgage on your website. How do I apply for it?

    Kent Reliance accepts mortgage applications from mortgage advisers only. If you have a mortgage adviser we suggest you speak to them about our range of mortgages. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

  • Can I speak to a mortgage adviser?

    Kent Reliance does not have in-house mortgage advisers, so we would suggest speaking to your own mortgage adviser about our range of mortgages. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Can I speak to someone about mortgages?

    Kent Reliance does not have in-house mortgage advisers, so we would suggest speaking to your own mortgage adviser about our range of mortgages. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • What is life assurance?

    Life assurance is a simple form of protection. It will provide a lump sum in the event of the death of a policyholder during the term of the life assurance policy. The lump sum can be used to repay the outstanding debt of a mortgage.

    For more information please visit the Money Advice Service website at moneyhelper.org.uk or speak to your adviser. If you do not have an adviser then the website unbiased.co.uk provides a list of advisers in your local area.

  • What is critical illness assurance?

    Critical illness policies are designed to pay out a lump sum if a policy owner suffers a specified illness that they survive. Examples of critical illness include heart attack, cancer and stroke. The lump sum can be used to repay the outstanding debt of a mortgage.

    For more information please visit Money Advice Service website at moneyhelper.org.uk or speak to your adviser. If you do not have an adviser then the website unbiased.co.uk provides a list of advisers in your local area.

Try our mortgage choices online portal

The Mortgage Choices Online web portal is designed to help Kent Reliance customers choose a new mortgage deal and track progress from application through to completion. 

Mortgage Choices Online

View our mortgage valuation fee scale.

If your current Kent Reliance mortgage deal is coming to an end, we will contact you to remind you that it is time to look for a new deal.

Otherwise, please contact our dedicated Mortgage Choices team on 03456 717274 to find out your options. Please note that we can only provide assistance with using the Portal and cannot offer advice. If you require advice please contact your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

Select the product you require. You can choose a product via Online Portal (if your account starts with 08), or send completed & signed preference form to mail@krbs.com (for accounts starting 08 & 7000). Once we receive the request, we will send you a mortgage illustration & offer showing the key features of the deal, in next 7-10 working days. Included with the Offer, will be an acceptance form that all parties to the mortgage will need to sign. Return that to us by latest 25th of the month before product expiry or if your account is already on a standard variable rate. We will only be able to make the product effective 1st of the following month, once the signed acceptance form is received from your end. Within next 7-10 working days, we will send the letter to you to confirm that the request has been processed and when the change will become effective from.

The following table shows the full range of products available for customers who currently hold a Kent Reliance shared ownership mortgage.


Kent Reliance shared ownership mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

LTV Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
100%* Fixed 2 6.89% BBR + 3.25% 8.6% 0% £1,000 Unlimited 4% in year one, 3% in year two 02543 KCHS2311
100%* Fixed 2 6.39% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in year two 02544 KCHS2311
100%* Fixed 5 6.49% BBR + 3.25% 8.1% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02545 KCHS2311
100%* Fixed 5 6.29% BBR + 3.25% 8.2% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02546 KCHS2311

Mortgage type

5 years fixed

LTV 100%*
Intial rate 6.69%
Revert rate BBR + 4.90%
APRC 5.58%
Product fee £0
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02147 KCHS2210

Bank of England Base Rate (BBR): 5.25%


*The Loan to Value (LTV) quoted relates to the mortgage value as a percentage of the value of the share you own. This is known as the Mortgage Share value (MSV).

 

All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Residential shared ownership representative example

A Capital Repayment mortgage of £1,809,000.00 payable over 35 years initially on a fixed rate for 2 years at 7.19% and then on a tracker rate for the remaining 33 years at 3.49% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.74% (variable) would require 24 monthly payments of £11,828.42 and 396 monthly payments of £13,808.35.

The total amount payable would be £5,754,108.68 made up of the loan amount plus interest (£5,747,441.18) and a product fee £4,522.50, valuation fee £2,070, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.8% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

The Standard variable rate can vary in line with the general level of interest rates and economic conditions.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Step 1

You will have received your initial choices letter and the available products are listed below.

Step 2

Please complete the Mortgage Preference form that was included with the initial selections letter. Each applicant must sign this letter and return the completed form by post or email the documents to mail@krbs.com.

Step 3

Upon receipt of the signed Preference Form, we will review your request and issue a Mortgage Offer within 7 - 10 working days.

For any queries, please contact our dedicated Mortgage Choices team on 0345 671 7274.

The following table shows the full range of products available for customers who currently hold a Kent Reliance shared ownership mortgage.


Kent Reliance shared ownership mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

LTV Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
100%* Fixed 2 6.89% BBR + 3.25% 8.6% 0% £1,000 Unlimited 4% in year one, 3% in year two 02543 KCHS2311
100%* Fixed 2 6.39% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in year two 02544 KCHS2311
100%* Fixed 5 6.49% BBR + 3.25% 8.1% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02545 KCHS2311
100%* Fixed 5 6.29% BBR + 3.25% 8.2% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02546 KCHS2311

Mortgage type

5 years fixed

LTV 100%*
Intial rate 6.69%
Revert rate BBR + 4.90%
APRC 5.58%
Product fee £0
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02147 KCHS2210

Bank of England Base Rate (BBR): 5.25%


*The Loan to Value (LTV) quoted relates to the mortgage value as a percentage of the value of the share you own. This is known as the Mortgage Share value (MSV).

 

All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Residential shared ownership representative example

A Capital Repayment mortgage of £1,809,000.00 payable over 35 years initially on a fixed rate for 2 years at 7.19% and then on a tracker rate for the remaining 33 years at 3.49% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.74% (variable) would require 24 monthly payments of £11,828.42 and 396 monthly payments of £13,808.35.

The total amount payable would be £5,754,108.68 made up of the loan amount plus interest (£5,747,441.18) and a product fee £4,522.50, valuation fee £2,070, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.8% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Once we have received your choice, we will send you a Choices offer document containing an illustration of the key features of your chosen product, along with a Declaration form. You will need to sign both of these and return them to us before your current mortgage deal ends.

If we do not hear from you or receive your completed Declaration and Offer Acceptance forms before your current deal ends, your mortgage will revert to the interest rate which was confirmed in your original mortgage offer.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

The Standard variable rate can vary in line with the general level of interest rates and economic conditions.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Try out mortgages choices online portal

The Mortgage Choices Online web portal is designed to help Kent Reliance customers choose a new mortgage deal and track progress from application through to completion. 

Mortgage Choices Online

View our mortgage valuation fee scale.

If your current Kent Reliance mortgage deal is coming to an end, we will contact you to remind you that it is time to look for a new deal.

Otherwise, please contact our dedicated Mortgage Choices team on 0345 671 7274 to find out your options. Please note that we can only provide assistance with using the Portal and cannot offer advice. If you require advice please contact your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

Select the product you require. You can choose a product via Online Portal (if your account starts with 08), or send completed & signed preference form to mail@krbs.com (for accounts starting 08 & 7000). Once we receive the request, we will send you a mortgage illustration & offer showing the key features of the deal, in next 7-10 working days. Included with the Offer, will be an acceptance form that all parties to the mortgage will need to sign. Return that to us by latest 25th of the month before product expiry or if your account is already on a standard variable rate. We will only be able to make the product effective 1st of the following month, once the signed acceptance form is received from your end. Within next 7-10 working days, we will send the letter to you to confirm that the request has been processed and when the change will become effective from.

The following table shows the full range of products available for customers who currently hold a Kent Reliance Buy to Let standard mortgage.

Important

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.


Kent Reliance Standard Buy to Let Mortgage Rates and How to Apply for your New Mortgage Deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Tracker 2 7.79% BBR + 3.25% 8.5% 0% £1,000 Unlimited 1% in years one and two 02547 KCHB2311
Tracker 2 7.29% BBR + 3.25% 8.5% 1% £1,000 Unlimited 1% in years one and two 02548 KCHB2311
Tracker 2 6.29% BBR + 3.25% 8.6% 3% £1,000 Unlimited 0.5% in year one, 1% in year two 02549 KCHB2311
Fixed 1 7.59% BBR + 3.25% 8.8% 0% £1,000 Unlimited 3% in year one 02550 KCHB2311
Fixed 1 6.59% BBR + 3.25% 8.8% 1% £1,000 Unlimited 2% in year one 02551 KCHB2311
Fixed 1 4.59% BBR + 3.25% 8.8% 3% £1,000 Unlimited 0.5% in year one 02552 KCHB2311
Fixed 2 7.69% BBR + 3.25% 8.7% 0% £1,000 Unlimited 4% in year one, 3% in year two 02463 KCHB2307
Fixed 2 7.19% BBR + 3.25% 8.7% 1% £1,000 Unlimited 4% in year one, 3% in year two 02464 KCHB2307
Fixed 2 6.19% BBR + 3.25% 8.7% 3% £1,000 Unlimited 4% in year one, 3% in year two 02465 KCHB2307
Fixed 3 7.39% BBR + 3.25% 8.6% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02466 KCHB2307
Fixed 3 7.09% BBR + 3.25% 8.5% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02467 KCHB2307
Fixed 3 6.39% BBR + 3.25% 8.6% 3% £1,000 Unlimited 4% in year one, 3% in years two and three 02468 KCHB2307
Fixed 5 6.89% BBR + 3.25% 8.1% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02469 KCHB2307
Fixed 5 6.69% BBR + 3.25% 8.0% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02470 KCHB2307
Fixed 5 6.29% BBR + 3.25% 8.2% 3% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02471 KCHB2307

Mortgage type

5 years fixed

LTV 75%
Intial rate 5.74%
Revert rate 9.58%
APRC 5.91%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02134 KCHB2210

Mortgage type

5 years fixed

LTV 85%
Intial rate 6.14%
Revert rate 9.58%
APRC 6.43%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02135 KCHB2210

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Buy to let representative example

An Interest Only mortgage of £296,234.33 payable over 30 years initially on a fixed rate for 2 years at 5.74% and then on a tracker rate for the remaining 28 years at 3.25% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.50% (variable) would require 24 monthly payments of £1,445.45 and 336 monthly payments of £2,140.47.

The total amount payable would be £1,056,592.74 made up of the loan amount plus interest (£1,050,123.05) and a product fee £5,924.69, valuation fee £470, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.6% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Step 1

You will have received your initial choices letter and the available products are listed below.

Step 2

Please complete the Mortgage Preference form that was included with the initial selections letter. Each applicant must sign this letter and return the completed form by post or email the documents to mail@krbs.com.

Step 3

Upon receipt of the signed Preference Form, we will review your request and issue a Mortgage Offer within 7 - 10 working days.

For any queries, please contact our dedicated Mortgage Choices team on 0345 671 7274.

The following table shows the full range of products available for customers who currently hold a Kent Reliance Buy to Let standard mortgage.

Important

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.


Kent Reliance Standard Buy to Let Mortgage Rates and How to Apply for your New Mortgage Deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Tracker 2 7.79% BBR + 3.25% 8.5% 0% £1,000 Unlimited 1% in years one and two 02547 KCHB2311
Tracker 2 7.29% BBR + 3.25% 8.5% 1% £1,000 Unlimited 1% in years one and two 02548 KCHB2311
Tracker 2 6.29% BBR + 3.25% 8.6% 3% £1,000 Unlimited 0.5% in year one, 1% in year two 02549 KCHB2311
Fixed 1 7.59% BBR + 3.25% 8.8% 0% £1,000 Unlimited 3% in year one 02550 KCHB2311
Fixed 1 6.59% BBR + 3.25% 8.8% 1% £1,000 Unlimited 2% in year one 02551 KCHB2311
Fixed 1 4.59% BBR + 3.25% 8.8% 3% £1,000 Unlimited 0.5% in year one 02552 KCHB2311
Fixed 2 7.69% BBR + 3.25% 8.7% 0% £1,000 Unlimited 4% in year one, 3% in year two 02463 KCHB2307
Fixed 2 7.19% BBR + 3.25% 8.7% 1% £1,000 Unlimited 4% in year one, 3% in year two 02464 KCHB2307
Fixed 2 6.19% BBR + 3.25% 8.7% 3% £1,000 Unlimited 4% in year one, 3% in year two 02465 KCHB2307
Fixed 3 7.39% BBR + 3.25% 8.6% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02466 KCHB2307
Fixed 3 7.09% BBR + 3.25% 8.5% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02467 KCHB2307
Fixed 3 6.39% BBR + 3.25% 8.6% 3% £1,000 Unlimited 4% in year one, 3% in years two and three 02468 KCHB2307
Fixed 5 6.89% BBR + 3.25% 8.1% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02469 KCHB2307
Fixed 5 6.69% BBR + 3.25% 8.0% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02470 KCHB2307
Fixed 5 6.29% BBR + 3.25% 8.2% 3% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02471 KCHB2307

Mortgage type

5 years fixed

LTV 75%
Intial rate 5.74%
Revert rate 9.58%
APRC 5.91%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02134 KCHB2210

Mortgage type

5 years fixed

LTV 85%
Intial rate 6.14%
Revert rate 9.58%
APRC 6.43%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02135 KCHB2210

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Buy to let representative example

An Interest Only mortgage of £296,234.33 payable over 30 years initially on a fixed rate for 2 years at 5.74% and then on a tracker rate for the remaining 28 years at 3.25% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.50% (variable) would require 24 monthly payments of £1,445.45 and 336 monthly payments of £2,140.47.

The total amount payable would be £1,056,592.74 made up of the loan amount plus interest (£1,050,123.05) and a product fee £5,924.69, valuation fee £470, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.6% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Once we have received your choice, we will send you a Choices offer document containing an illustration of the key features of your chosen product, along with a Declaration Form. You will need to sign both of these and return them to us before your current mortgage deal ends.

If we do not hear from you or receive your completed Declaration and Offer Acceptance forms before your current deal ends, your mortgage will revert to the interest rate which was confirmed in your original mortgage offer.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Try our mortgage choices online portal

The Mortgage Choices Online web portal is designed to help Kent Reliance customers choose a new mortgage deal and track its progress from application through to completion.

Mortgage Choices Online

View our mortgage valuation fee scale.

If your current Kent Reliance mortgage deal is coming to an end, we will contact you to remind you that it is time to look for a new deal.

Otherwise, please contact our dedicated Mortgage Choices team on 0345 671 7274 to find out your options. Please note that we can only provide assistance with using the Portal and cannot offer advice. If you require advice please contact your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

Select the product you require. You can choose a product via Online Portal (if your account starts with 08), or send completed & signed preference form to mail@krbs.com (for accounts starting 08 & 7000). Once we receive the request, we will send you a mortgage illustration & offer showing the key features of the deal, in next 7-10 working days. Included with the Offer, will be an acceptance form that all parties to the mortgage will need to sign. Return that to us by latest 25th of the month before product expiry or if your account is already on a standard variable rate. We will only be able to make the product effective 1st of the following month, once the signed acceptance form is received from your end. Within next 7-10 working days, we will send the letter to you to confirm that the request has been processed and when the change will become effective from.

The following table shows the full range of products available for customers who currently hold a Kent Reliance residential mortgage.

Important

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.


Kent Reliance residential mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Fixed 2 6.89% BBR + 3.25% 8.5% 0% £1,000 Unlimited 4% in year one, 3% in year two 02537 KCHR2311
Fixed 2 6.39% BBR + 3.25% 8.5% 1% £1,000 Unlimited 4% in year one, 3% in year two 02538 KCHR2311
Fixed 3 6.69% BBR + 3.25% 8.3% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02539 KCHR2311
Fixed 3 6.39% BBR + 3.25% 8.4% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02540 KCHR2311
Fixed 5 6.49% BBR + 3.25% 7.8% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02541 KCHR2311
Fixed 5 6.29% BBR + 3.25% 8.1% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02542 KCHR2311

Mortgage type

2 years fixed

LTV 75%
Intial rate 5.99%
Revert rate BBR + 3.49%
APRC 4.42%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02143 KCHR2210

Mortgage type

5 years fixed

LTV 75%
Intial rate 5.74%
Revert rate BBR + 3.49%
APRC 5.58%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02144 KCHR2210

Mortgage type

2 years fixed

LTV 95%
Intial rate 7.29%
Revert rate BBR + 3.49%
APRC 4.73%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02145 KCHR2210

Mortgage type

5 years fixed

LTV 95%
Intial rate 7.14%
Revert rate BBR + 3.49%
APRC 4.95%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02146 KCHR2210

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Residential representative example

A Capital Repayment mortgage of £1,809,000.00 payable over 35 years initially on a fixed rate for 2 years at 7.19% and then on a tracker rate for the remaining 33 years at 3.49% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.74% (variable) would require 24 monthly payments of £11,828.42 and 396 monthly payments of £13,808.35.

The total amount payable would be £5,754,108.68 made up of the loan amount plus interest (£5,747,441.18) and a product fee £4,522.50, valuation fee £2,070, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.8% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choices application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided, or through our Mortgage Choices Online portal.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

The Standard variable rate can vary in line with the general level of interest rates and economic conditions.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Step 1

You will have received your initial choices letter and the available products are listed below.

Step 2

Please complete the Mortgage Preference form that was included with the initial selections letter. Each applicant must sign this letter and return the completed form by post or email the documents to mail@krbs.com.

Step 3

Upon receipt of the signed Preference Form, we will review your request and issue a Mortgage Offer within 7 - 10 working days.

For any queries, please contact our dedicated Mortgage Choices team on 0345 671 7274.

The following table shows the full range of products available for customers who currently hold a Kent Reliance residential mortgage.

Important

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.


Kent Reliance residential mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Fixed 2 6.89% BBR + 3.25% 8.5% 0% £1,000 Unlimited 4% in year one, 3% in year two 02537 KCHR2311
Fixed 2 6.39% BBR + 3.25% 8.5% 1% £1,000 Unlimited 4% in year one, 3% in year two 02538 KCHR2311
Fixed 3 6.69% BBR + 3.25% 8.3% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02539 KCHR2311
Fixed 3 6.39% BBR + 3.25% 8.4% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02540 KCHR2311
Fixed 5 6.49% BBR + 3.25% 7.8% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02541 KCHR2311
Fixed 5 6.29% BBR + 3.25% 8.1% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02542 KCHR2311

Mortgage type

2 years fixed

LTV 75%
Intial rate 5.99%
Revert rate BBR + 3.49%
APRC 4.42%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02143 KCHR2210

Mortgage type

5 years fixed

LTV 75%
Intial rate 5.74%
Revert rate BBR + 3.49%
APRC 5.58%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02144 KCHR2210

Mortgage type

2 years fixed

LTV 95%
Intial rate 7.29%
Revert rate BBR + 3.49%
APRC 4.73%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02145 KCHR2210

Mortgage type

5 years fixed

LTV 95%
Intial rate 7.14%
Revert rate BBR + 3.49%
APRC 4.95%
Product fee 0%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 5% in year one, 4% in year two and 3% in years three, four and five
Product code 02146 KCHR2210

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Residential representative example

A Capital Repayment mortgage of £1,809,000.00 payable over 35 years initially on a fixed rate for 2 years at 7.19% and then on a tracker rate for the remaining 33 years at 3.49% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.74% (variable) would require 24 monthly payments of £11,828.42 and 396 monthly payments of £13,808.35.

The total amount payable would be £5,754,108.68 made up of the loan amount plus interest (£5,747,441.18) and a product fee £4,522.50, valuation fee £2,070, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.8% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choices application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided, or through our Mortgage Choices Online portal.

Once we have received your choice, we will send you a Choices offer document containing an illustration of the key features of your chosen product, along with a Declaration form. You will need to sign both of these and return them to us before your current mortgage deal ends.

If we do not hear from you or receive your completed Declaration and Offer Acceptance forms before your current deal ends, your mortgage will revert to the interest rate which was confirmed in your original mortgage offer.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

The Standard variable rate can vary in line with the general level of interest rates and economic conditions.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Try out mortgages choices online portal

The Mortgage Choices Online web portal is designed to help Kent Reliance customers choose a new mortgage deal and track progress from application through to completion.

Mortgage Choices Online

View our mortgage valuation fee scale.

If your current Kent Reliance mortgage deal is coming to an end, we will contact you to remind you that it is time to look for a new deal.

Otherwise, please contact our dedicated Mortgage Choices team on 0345 671 7274 to find out your options. Please note that we can only provide assistance with using the Portal and cannot offer advice. If you require advice please contact your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

Select the product you require. You can choose a product via Online Portal (if your account starts with 08), or send completed & signed preference form to mail@krbs.com (for accounts starting 08 & 7000). Once we receive the request, we will send you a mortgage illustration & offer showing the key features of the deal, in next 7-10 working days. Included with the Offer, will be an acceptance form that all parties to the mortgage will need to sign. Return that to us by latest 25th of the month before product expiry or if your account is already on a standard variable rate. We will only be able to make the product effective 1st of the following month, once the signed acceptance form is received from your end. Within next 7-10 working days, we will send the letter to you to confirm that the request has been processed and when the change will become effective from.

The following table shows the full range of products available for customers who currently hold a Kent Reliance Buy to Let ex-pat mortgage.


Kent Reliance expat Buy to Let mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Tracker 2 7.79% BBR + 3.25% 8.0% 0% £1,000 Unlimited 1% in years one and two 02553 KCHE2311
Tracker 2 7.29% BBR + 3.25% 8.5% 1% £1,000 Unlimited 1% in years one and two 02554 KCHE2311
Tracker 2 6.29% BBR + 3.25% 8.5% 3% £1,000 Unlimited 0.5% in year one, 1% in year two 02555 KCHE2311
Fixed 1 7.59% BBR + 3.25% 8.9% 0% £1,000 Unlimited 3% in year one 02556 KCHE2311
Fixed 1 6.59% BBR + 3.25% 8.8% 1% £1,000 Unlimited 2% in year one 02557 KCHE2311
Fixed 1 4.59% BBR + 3.25% 8.8% 3% £1,000 Unlimited 0.5% in year one 02558 KCHE2311
Fixed 2 7.69% BBR + 3.25% 9.8% 0% £1,000 Unlimited 4% in year one, 3% in year two 02478 KCHE2307
Fixed 2 7.19% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in year two 02479 KCHE2307
Fixed 2 6.19% BBR + 3.25% 8.7% 3% £1,000 Unlimited 4% in year one, 3% in year two 02480 KCHE2307
Fixed 3 7.39% BBR + 3.25% 13.0% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02481 KCHE2307
Fixed 3 7.09% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02482 KCHE2307
Fixed 3 6.39% BBR + 3.25% 8.6% 3% £1,000 Unlimited 4% in year one, 3% in years two and three 02483 KCHE2307
Fixed 5 6.89% BBR + 3.25% 8.0% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02484 KCHE2307
Fixed 5 6.69% BBR + 3.25% 16.0% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02485 KCHE2307
Fixed 5 6.29% BBR + 3.25% 15.2% 3% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02486 KCHE2307

Mortgage type

2 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 8.30%
Product fee 1.00%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02239 KCHE2211

Mortgage type

3 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 8.09%
Product fee 1.00%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in years two and three
Product code 02240 KCHE2211

Mortgage type

5 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 7.72%
Product fee 1%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five
Product code 02241 KCHE2211

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Buy to let ex-pat representative example

An Interest Only mortgage of £296,234.33 payable over 30 years initially on a fixed rate for 2 years at 5.74% and then on a tracker rate for the remaining 28 years at 3.25% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.50% (variable) would require 24 monthly payments of £1,445.45 and 336 monthly payments of £2,140.47.

The total amount payable would be £1,056,592.74 made up of the loan amount plus interest (£1,050,123.05) and a product fee £5,924.69, valuation fee £470, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.6% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

Step 1

You will have received your initial choices letter and the available products are listed below.

Step 2

Please complete the Mortgage Preference form that was included with the initial selections letter. Each applicant must sign this letter and return the completed form by post or email the documents to mail@krbs.com.

Step 3

Upon receipt of the signed Preference Form, we will review your request and issue a Mortgage Offer within 7 - 10 working days.

For any queries, please contact our dedicated Mortgage Choices team on 0345 671 7274.

The following table shows the full range of products available for customers who currently hold a Kent Reliance Buy to Let ex-pat mortgage.

 

Kent Reliance expat Buy to Let mortgage rates and how to apply for your new mortgage deal


Our mortgage offerings

Mortgage
type
Term Initial
rate
Revert
rate
APRC Product
fee
Min loan
size
Max loan
size
Early repayment
charge
Product
code
Tracker 2 7.79% BBR + 3.25% 8.0% 0% £1,000 Unlimited 1% in years one and two 02553 KCHE2311
Tracker 2 7.29% BBR + 3.25% 8.5% 1% £1,000 Unlimited 1% in years one and two 02554 KCHE2311
Tracker 2 6.29% BBR + 3.25% 8.5% 3% £1,000 Unlimited 0.5% in year one, 1% in year two 02555 KCHE2311
Fixed 1 7.59% BBR + 3.25% 8.9% 0% £1,000 Unlimited 3% in year one 02556 KCHE2311
Fixed 1 6.59% BBR + 3.25% 8.8% 1% £1,000 Unlimited 2% in year one 02557 KCHE2311
Fixed 1 4.59% BBR + 3.25% 8.8% 3% £1,000 Unlimited 0.5% in year one 02558 KCHE2311
Fixed 2 7.69% BBR + 3.25% 9.8% 0% £1,000 Unlimited 4% in year one, 3% in year two 02478 KCHE2307
Fixed 2 7.19% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in year two 02479 KCHE2307
Fixed 2 6.19% BBR + 3.25% 8.7% 3% £1,000 Unlimited 4% in year one, 3% in year two 02480 KCHE2307
Fixed 3 7.39% BBR + 3.25% 13.0% 0% £1,000 Unlimited 4% in year one, 3% in years two and three 02481 KCHE2307
Fixed 3 7.09% BBR + 3.25% 8.6% 1% £1,000 Unlimited 4% in year one, 3% in years two and three 02482 KCHE2307
Fixed 3 6.39% BBR + 3.25% 8.6% 3% £1,000 Unlimited 4% in year one, 3% in years two and three 02483 KCHE2307
Fixed 5 6.89% BBR + 3.25% 8.0% 0% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02484 KCHE2307
Fixed 5 6.69% BBR + 3.25% 16.0% 1% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02485 KCHE2307
Fixed 5 6.29% BBR + 3.25% 15.2% 3% £1,000 Unlimited 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five 02486 KCHE2307

Mortgage type

2 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 8.30%
Product fee 1.00%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in year two
Product code 02239 KCHE2211

Mortgage type

3 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 8.09%
Product fee 1.00%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 3% in years two and three
Product code 02240 KCHE2211

Mortgage type

5 years fixed

Intial rate 5.99%
Revert rate 9.58%
APRC 7.72%
Product fee 1.00%
Min loan size £1,000
Max loan size Unlimited
Early repayment charge 4% in year one, 4% in year two, 3% in year three, 3% in year four, 2% in year five
Product code 02241 KCHE2211

Bank of England Base Rate (BBR): 5.25%


All our products are subject to availability and may be withdrawn at any time. * Early repayment charges may be incurred for full redemption or repayment of capital.

Buy to let ex-pat representative example

An Interest Only mortgage of £296,234.33 payable over 30 years initially on a fixed rate for 2 years at 5.74% and then on a tracker rate for the remaining 28 years at 3.25% above 5.25% (Bank of England Base Rate) giving a current rate payable of 8.50% (variable) would require 24 monthly payments of £1,445.45 and 336 monthly payments of £2,140.47.

The total amount payable would be £1,056,592.74 made up of the loan amount plus interest (£1,050,123.05) and a product fee £5,924.69, valuation fee £470, funds transfer fee £25, and a redemption administration fee £50.

The overall cost for comparison is 8.6% APRC representative.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choice application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided or through our Mortgage Choices Online portal.

Once we have received your choice, we will send you a Choices offer document containing an illustration of the key features of your chosen product, along with a Declaration form. You will need to sign both of these and return them to us before your current mortgage deal ends.

If we do not hear from you or receive your completed Declaration and Offer Acceptance forms before your current deal ends, your mortgage will revert to the interest rate which was confirmed in your original mortgage offer.

Table explained

Mortgage type

Tracker rate: a rate based on Bank of England Base Rate (BBR) plus the agreed set percentage as stated in your mortgage offer.

The interest rate will change when BBR changes. Please note that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor. This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.

If you’re a current Kent Reliance mortgage customer and would like to borrow more, then we can help.

Provided your existing account has been well-conducted and you don’t plan on borrowing more than the maximum loan to value (LTV) you may be eligible for additional borrowing, subject to an underwriting assessment.

Much like new mortgage applications, we can only accept additional borrowing applications through appropriately qualified mortgage advisers. If you require advice, or wish to submit an application, we recommend you speak to your mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

Any assistance we provide is strictly limited to basic information and administration of your request.

Think carefully before you secure other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

FAQs


  • Can I borrow more money on my mortgage?

    Additional borrowing may be possible, however Kent Reliance is unable to provide any advice on how much you can borrow as this would require an assessment of your income, outgoings and level of equity in the property. As we are not authorised to conduct this assessment, we suggest you speak to your mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

  • I want to make improvements to my home. Can I borrow the money?

    Additional borrowing may be possible, however Kent Reliance is unable to provide any advice on how much you can borrow as this would require an assessment of your income, outgoings and level of equity in the property. We are not authorised to conduct this assessment so we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I need to repair my home. Can I borrow the money from you?

    Additional borrowing may be possible, however Kent Reliance is unable to provide any advice on how much you can borrow as this would require an assessment of your income, outgoings and level of equity in the property. We are not authorised to conduct this assessment so we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Can you advise me of the best rate I can borrow an additional sum at?

    Kent Reliance is not authorised to provide advice on this. Any assistance we provide is strictly limited to basic information and administration of your request. If you require information on mortgage rates available in the market, the Money Advice Service provides mortgage comparison tables at moneyadviceservice.org.uk.

  • I have seen a rate on your website. Can I borrow more money from you at that rate?

    Additional borrowing may be possible, however Kent Reliance is unable to provide any advice on how much you can borrow as this would require an assessment of your income, outgoings and level of equity in the property. We are not authorised to conduct this assessment so we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Can I take further borrowing on interest-only?

    You may be able to take further borrowing on an interest-only basis, however Kent Reliance is unable to provide any advice on this. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Can I take a different term?

    Yes you can, however we cannot advise on what term is most suitable to you. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I can afford x per month; how much can I borrow?

    Additional borrowing may be possible, however Kent Reliance is unable to provide any advice on how much you can borrow as this would require an assessment of your income, outgoings and level of equity in the property. We are not authorised to conduct this assessment so we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Will you have to value my home?

    We will instruct a new valuation during the application process. There will be a fee for this.

    Kent Reliance is providing you with this information on an execution-only basis; this means we cannot provide advice. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

    * For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.

As new products become available, or as your circumstances change, your current mortgage may not suit you as well as it used to. Subject to the particular terms of your mortgage, we may be able to offer you a new deal from our mortgage Choices range, which is available exclusively to existing customers.

Try our mortgage choices online portal

Choices Online portal

To see our list of available mortgage rates, please select "I am coming to the end of my deal" and the appropriate mortgage type.

If your current Kent Reliance mortgage deal is coming to an end, we will contact you to remind you that it is time to look for a new deal.

Otherwise, please contact our dedicated Mortgage Choices team on 0345 671 7274 to find out your options. Please note that we can only provide assistance with using the Portal and cannot offer advice. If you require advice please contact your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

Select the product you require and we will send you a mortgage illustration showing the key features of the deal. Included with the illustration will be a declaration form that all parties to the mortgage will need to sign. Return that to us before the date your current deal expires (if appropriate) and we will transfer you to your new mortgage.

 

 

 

All our products are subject to availability and may be withdrawn at any time.

* Early repayment charges may be incurred for full redemption or repayment of capital.

If you are coming to the end of your deal, we will contact you via post, including a Mortgage Choices application form.

You can choose to have your mortgage broker apply on your behalf – or apply yourself by returning the application form provided, or through our Mortgage Choices

Online portal.

Once we have received your choice, we will send you a Choices offer document containing an illustration of the key features of your chosen product, along with a Declaration form. You will need to sign both of these and return them to us before your current mortgage deal ends.

If we do not hear from you or receive your completed Declaration and Offer Acceptance forms before your current deal ends, your mortgage will revert to the interest rate which was confirmed in your original mortgage offer.

Table explained

 

Mortgage type

Discounted variable rate: a rate based on our standard variable rate, discounted by a fixed amount. The interest rate may change if our SVR changes.

Fixed rate: the interest rate is fixed for a given period.

Term

The duration of any initial rate.

Initial rate

The rate charged for the term of the mortgage deal.

Revert rate

This is the rate that the mortgage will revert to at the end of the initial term, typically the standard variable rate (SVR). The SVR is variable which means it can change in line with market conditions. It is also the rate your initial interest rate will revert to once it ends. Your monthly repayments can therefore vary according to the rate of interest charged.

APRC

APRC stands for Annual Percentage Rate of Charge. It is used as a means of comparison for financial services products and takes into account the total amount of interest and any fees applied to your mortgage. The APRC quoted is based on the following calculation:

A loan of £250,000 based on a repayment basis over a 25 year term. This amount does not include any product fee.

A purchase or remortgage of a property valued at £295,000 at 85% LTV or £278,000 at 90% LTV. The Standard variable rate is charged from the end of any initial specified deal.

The quoted APR takes no account of any change in the interest rate during the mortgage term.

Product fee

This is the fee charged for arranging your mortgage.

Early repayment charge

This is the charge you pay to Kent Reliance if you repay all or part of your mortgage earlier than the end of the agreed term or deal period or make an additional payment of more than £499 in any month. This may also be payable if you move house and are not able to take the mortgage to the new property, or if you remortgage during the initial rate period of your mortgage. An early repayment charge is typically expressed as a percentage of the loan amount so if a mortgage has an early repayment charge of 1% of the mortgage balance, on a £100,000 mortgage that would equate to an early repayment charge of £1,000.

Notes about our mortgage products

The Standard variable rate can vary in line with the general level of interest rates and economic conditions.

A list of our fees and charges accompanies all Mortgage Illustrations.

The minimum mortgage term is 2 years and the maximum 35.

These mortgage products are portable. Even if you move home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of your existing mortgage) of that special deal can be transferred to your new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that you borrow.

For interest-only or part repayment/part interest-only, it is your responsibility to ensure you have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over and security will be required on the property. Written quotations available on request.

Important

Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.

Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

If you require advice, we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Kent Reliance is providing you with this information on an execution-only basis; this means we cannot provide advice. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

* For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.

Our residential mortgages are usually portable, meaning that – unless stated otherwise – you can move your current deal to your new home. This means that the majority of our residential mortgage customers continue to benefit from our mortgage deals.

Please refer to your mortgage offer for details of the portability of your current mortgage. You must apply through an appropriately qualified mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

FAQs


  • I want to move. How can you help me?

    Unfortunately Kent Reliance is not authorised to provide advice on whether your current financial situation will allow you to purchase a new home. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk

  • I have been to see an adviser who has told me that I am tied to my mortgage with you. I am keen to move, so how can I do that?

    We can provide you with the terms and conditions of your mortgage account. Once your adviser has this information they will be able to advise you on the most suitable course of action to help you move home.

  • Is my mortgage portable?

    The ability to port your mortgage - which means transferring the mortgage to a new property - depends on the terms and conditions of your mortgage product. If your mortgage is portable Kent Reliance will need to complete a full underwriting assessment of both you and the new property before confirming we will allow you to transfer the mortgage to a new property.

  • I want to move and I need more money.

    This may be possible, however Kent Reliance is not authorised to provide advice on whether you would be able to raise additional money to enable you to move home. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I want to move and reduce my borrowing.

    This may be possible, however Kent Reliance is not authorised to provide advice on whether you would be able to raise additional money to enable you to move home. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I want to move, add my new partner to my mortgage and borrow some more money.

    This may be possible however Kent Reliance is not authorised to provide advice on whether you will be able to move home and add someone else to the mortgage. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • I want to move and remove someone from my mortgage.

    This may be possible however Kent Reliance is not authorised to provide advice on whether you will be able to move home and remove someone from your mortgage. We would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

We will try and help you. The following explains our process and how we will treat you fairly. It details what steps you should take to help yourself if you are having difficulties or may be about to have difficulties in paying your mortgage.

You may want to talk to a professional adviser, such as a debt counsellor or a lawyer, before you change your mortgage arrangements. We would strongly advise you seek independent, free, debt advice.

Download this information as a printable PDF.

What you can do

  • Tell us as soon as possible if you are having problems meeting your mortgage repayments or if you think you might experience problems.
  • Seek debt advice if you would like help with managing your finances.
  • Get back to us quickly if we try to contact you.
  • Make sure you keep any other people paying the mortgage and anyone guaranteeing the mortgage, up to date with what is happening.
  • Keep to any payment plan we agree with you, or tell us if there is a change in your circumstances which may affect the arrangement. If you do not make the agreed payments, we might have to go to court which may result in us repossessing your property.
  • Check whether you are eligible and can get any state benefits or tax credits which could help to increase your income.
  • If you have an insurance policy, check whether it would help with your payments.
  • Tell us if you leave the property and move to a new address.

We will

  • Contact you as soon as possible to discuss your situation.
  • If you want, we will talk to an agency on your behalf which provides debt advice (for example the Citizens’ Advice Bureau).
  • Give you reasonable time to pay back the arrears.
  • Only start possession proceedings if we cannot resolve the situation with you.
  • Only as a last resort will we take possession of your property.

We may be able to

  • Arrange a new payment plan with you, taking your personal financial circumstances into account.
  • Change the way you make your payments or the date that you make them.
  • Allow you to pay back your mortgage over a longer period of time to reduce your monthly payments. We can only do this if you are currently making payments on a repayment basis or repaying the capital and interest, not on an interest only repayment basis.
  • Change the type of mortgage you have.

If we can agree one of these options with you we will explain how it would work and give you time to consider it. If we cannot offer any of these options we will tell you why not and we may agree to you remaining in the property to sell the property yourself, depending on your circumstances.

Costs and charges

If you are in arrears, we may charge you for reasonable administrative and legal costs. We will tell you about what costs there will be and the amount you will have to pay.

If we cannot agree on a solution

  • We may send a debt counsellor to see you to discuss your financial circumstances and the cost of this visit may be charged to your mortgage account.
  • We may go to court and start proceedings to repossess your home. If proceedings take place, we strongly recommend that you attend the court and that you seek independent debt advice.
  • Starting court proceedings does not necessarily mean that we will take possession of your home. We will keep trying to resolve the situation with you. Possession is a last resort.
  • Before we take possession of your home, we will remind you that you should get in touch with your local authority to see if they can find you somewhere else to live.

If we take possession of your home

  • We will sell it for the best price we can reasonably get. We will market it and try to sell it as soon as possible.
  • We will give you reasonable time to remove your possessions from your home.
  • We will use the money received from selling your home to pay your mortgage and any other loans or charges or, in the case of shared ownership properties, any retained interest of the Housing Association.
  • If there is any money left over this will be paid to you.

If selling your home does not raise enough money to pay off the mortgage in full.

  • If there is not enough money from the sale to pay the whole mortgage, you will still owe us the amount that is left (a shortfall debt). We will tell you what this is as soon as possible.
  • We will take account of your income and outgoings when agreeing a payment plan with you for payment of this shortfall debt. If we cannot agree a suitable plan, we may go to court to get the shortfall debt repaid and you may have to pay additional court costs.
  • If you bought your home with other borrowers each of you is responsible for all of the money borrowed. This is true even if each of you normally only pay part of the mortgage.
  • We will contact you within three years of selling your property to arrange for you to pay back what you still owe.
  • If a shortfall debt is not paid it could affect whether you are able to get credit in the future.

Complaints

If you do not think we have treated you fairly, you can complain to us and if your complaint is not dealt with to your satisfaction you may then take it to the Financial Ombudsman.

The Financial Ombudsman Service provides a free and independent service for consumers and can be contacted at:

The Financial Ombudsman Service
Exchange Tower
London E14 9SR
T: 0800 0234567

Other issues

Some companies may offer you new loans or even invite you to sell your property to them and then lease it back as a way of resolving your short term financial difficulty. Please be careful, as such actions may not be in your long term best interests. We suggest that you seek independent advice before entering into any such arrangement.

You may be thinking about handing the keys to the property to us. If you do this, you will still owe us any outstanding debt, so we would advise you to discuss this option with us before taking such action.

If you have a shared ownership property, the Housing Association may be able to offer you assistance to enable you to remain in your home. We suggest that you contact them to see if they have any scheme available which would be able to help you.

If you took all or any part of your mortgage on an interest-only basis, the monthly payments you make only cover the interest charged. Your mortgage offer and your Annual Statement will tell you if you have an interest-only or part and part loan.

By only paying the interest element of the loan this means that at the end of your mortgage the capital amount borrowed will still be outstanding, and you will be required to repay this balance in full.

To provide the funds to repay the mortgage balance you should have a repayment strategy in place. This could be a product such as an endowment, pension or savings plan.

You will receive letters from us during the term of your mortgage that highlight the importance of regularly reviewing your repayment strategy to ensure it remains viable to produce the amount you need to pay off your mortgage balance at the end of the term.

Important action

  • Review your repayment strategy regularly during the term of your mortgage to make sure it is on track for what you need. Check with your plan provider if you have any concerns, but please note we do not provide advice on appropriate repayment strategies, nor make any guarantees that any plan(s) you hold would be sufficient to repay the outstanding balance.
  • Periodically we will ask you to provide information about your repayment strategy and we would urge you to respond to these requests using the response slip provided at the time.
  • Please remember it is your responsibility to ensure you have sufficient funds to repay your outstanding balance at the end of the mortgage term. If you are unable to do so we will assist wherever possible, but our final recourse could be legal action to repossess your home.

If you have any concerns over repaying your interest-only mortgage you can contact us in writing at OneSavings Bank, Sunderland, SR43 4AB or call our dedicated interest-only mortgage customer helpline 0345 122 0777* (lines are open Monday-Friday 9.00 to 5.00).

*For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.

If you want to let your home, under the terms of your mortgage you will need our consent. We will normally be pleased to give this, but will increase the rate of interest charged on your mortgage while your property is let out, because of the increased risk of it not being your main residence.

To discuss your request call us on 01634 835791*

K
ent Reliance is providing you with this information on an execution only basis; this means we cannot provide advice. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

*
For customer service and training purposes, calls to Kent Reliance may be monitored and/or recorded.

If your financial circumstances improve, you may wish to pay your mortgage off more quickly, either by paying a little more each month or by paying a lump sum.

It may be possible to make lump sum payments or overpayments to your mortgage, depending on the mortgage product you have chosen. However, some products do carry an early repayment charge, so you should check the terms of your Mortgage Offer carefully before making any lump sum payments. 

If you are thinking of making an additional payment to your mortgage, contact us first to find out how an overpayment or lump sum payment would affect your account. You can speak to our Mortgage Servicing Team on 0345 122 0033* for information. Lines are open: Monday-Friday 8.30am-5pm, Saturday 9am-1pm, closed on Sundays and bank holidays.

Transfer of Equity

If you need to add or remove one or more people from/to your mortgage, you will need to apply for a Transfer of Equity. Our standard affordability criteria will apply. There will be an application fee, as listed on our mortgage fees and charges.

Kent Reliance is not authorised to provide advice on this. Any assistance we provide is strictly limited to basic information and administration of your request. If you require advice, or wish to submit an application, we suggest you speak to your mortgage adviser. If you do not have a mortgage adviser, you’ll find a list of mortgage advisers in your local area at unbiased.co.uk.

Kent Reliance is providing you with this information on an execution-only basis. We are not required to assess the suitability of this regulated mortgage contract, changes or transactions, and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

FAQs


  • My circumstances have changed and I wish to remove someone from my mortgage. How can I do this?

    To approve this we will need to carry out a full underwriting assessment to ensure the loan will remain affordable in your sole name. This may involve a new valuation being required. We may also require updated income confirmation, bank statements and name and address identification.

  • My circumstances have changed and I wish to add someone to my mortgage. How can I do this?

    To approve this we will need to carry out a full underwriting assessment to ensure the loan will remain affordable with the new person added. This may involve a new valuation being required and a credit search.

  • What if I cannot provide required information for the assessment?

    Unfortunately we will be unable to assess your application without this information (ID information, bank statements, income evidence etc). Please ensure you obtain this information prior to making your formal request for a transfer of equity.

  • How many people can I add onto my existing mortgage?

    The maximum number of people allowed on a Kent Reliance mortgage is four.

  • If I add someone to my mortgage, what are the implications for me?

    We cannot advise on this, we would suggest taking advice from a solicitor and a mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area. The Law Society provides a list of solicitors in your area.

  • If I remove someone from my mortgage, what are the implications for me?

    We cannot advise on this, we would suggest taking advice from a solicitor and a mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area. The Law Society provides a list of solicitors in your area.

  • How much does it cost to add or remove someone to or from my mortgage?

    There is an administration charge of £140 for us to assess and process a Transfer of Equity request. We cannot assess your request without this fee. There will be additional costs such as solicitors fees. If you require mortgage advice and see a mortgage adviser for that advice they may charge also.

  • Do I need advice to add or remove someone to or from my mortgage?

    It is recommended that you take legal advice. If you do not have a legal adviser, the Law Society provide a list on their website. If you require financial advice then we would suggest speaking to your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area.

  • Do I need to instruct a solicitor to add or remove someone to or from my mortgage?

    Yes you will need to instruct a solicitor to act for you if you would like to add or remove someone from the title of your property. If you do not have a solicitor, then the Law Society provide a list on their website.

  • I have not been self-employed for the required amount of time. Can I still apply for a Transfer of Equity?

    We will carry out a full underwriting assessment and will review your individual circumstances before making a final decision.

  • What if I am not able to pay the £140 fee in advance?

    You can have the fee added to the mortgage account. When we send the Transfer of Equity pack, we will issue a Mortgage Illustration that assumes that the £140 will not be paid in advance and therefore shows how this increase in balance will affect your monthly payments and amount repayable to us.

  • Will you liaise with my ex-partner?

    No. We send all correspondence to the borrower remaining on the mortgage. It is their responsibility to gather all the documentation we require.

  • Will you be conducting a credit reference check?

    Yes. Any agreement for a Transfer of Equity will be subject to an acceptable credit search result for the remaining and new borrowers.

  • How will I know what the new mortgage payments will be?

    We will issue a Mortgage Illustration when we issue your Transfer of Equity pack and then again if a Transfer is offered.

  • Will my property need a new valuation?

    This depends on your individual circumstances. We will confirm if a valuation is needed once we receive your Transfer of Equity application.

  • How long should I expect this Transfer of Equity to take?

    We will process post received from you within 10 working days. If you ensure that all the documentation we ask for is sent to us as soon as possible this will speed up your application. For information on how long it takes for the legal charge to be amended, please speak to your solicitor.

  • What happens when the Transfer of Equity is approved?

    When we send you confirmation that your Transfer has been approved, you will have a 14 day cooling-off period to consider whether you want to go ahead with the Transfer. If we do not hear from you, we will contact your solicitors and instruct them to proceed with the Transfer of Equity with the Land Registry.

  • Does my solicitor need to inform you once the Transfer has been completed?

    Yes. We will only be able to amend the mortgage account details when we receive confirmation that the property has been transferred into the names of the proposed borrowers.

  • I have a shared ownership mortgage. Do you let the Housing Association know that the Transfer has been approved?

    No. Informing the Housing Association and obtaining their consent to the Transfer of Equity is the responsibility of the customer applying to remain on the mortgage.

  • Can I staircase my share in the shared ownership at the same time as applying for a Transfer of Equity?

    No. This is considered in the same way as a request for additional borrowing. You will need to speak to your financial adviser/broker to progress this.

  • Can you provide me with advice and/or a recommendation on the Transfer of Equity process?

    Unfortunately we cannot provide advice on this and would suggest taking advice from a solicitor and your mortgage adviser. If you do not have a mortgage adviser, then the website unbiased.co.uk provides a list of mortgage advisers in your local area. The Law Society provides a list of solicitors in your area.


    Kent Reliance is providing you with this information on an execution-only basis; this means we cannot provide advice. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.

    * For customer service and training purposes, calls with Kent Reliance may be monitored and/or recorded.

Changing my correspondence address

If you wish to change your correspondence address, you can write to us at OneSavings Bank, Sunderland, SR43 4AB. Alternatively we can accept a verbal request over the phone.

When contacting us to discuss your change of address request we’ll require you to provide the following information:

  • your account number
  • account name
  • confirmation of old and new address
  • the date this address change needs to take affect from

This needs to be completed by the relevant signatories, as detailed below.

For limited company accounts:

If the main correspondence address of the company is changing, all signatories will be required to sign the written request. Requests via phone will need to be completed by all signatories.

If one of the directors is changing their residential address (and the main correspondence address is staying the same), only that director needs to contact us to confirm the request.

For buy to let properties:

If joint customers are both moving, we need the signatures of all parties if you’re confirming your changes via letter. If you’re calling us, we’ll need both customers to contact us to authorise the change.

If the correspondence address is different for each party to the mortgage, we only need a signature or phone call from the customer who wishes to change their correspondence address.

If you are a Mortgage Intermediary looking for information on Kent Reliance mortgages, then please see our intermediary website here. The information contained within is for intermediaries only and consumers should not use this as a basis for financial decisions – please speak to your financial adviser.

Our intermediaries website holds all of the relevant information on the mortgages we offer, including:


You may also be looking to use our Buy to Let Calculator or Residential Affordability Calculator as part of your research. Alternatively, you can also review our lending criteria here.

If you are an individual with a Kent Reliance mortgage that is near completion, please see our ‘coming to the end of your deal’ page for information on your options. 

 

 

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