Kent Reliance Mortgage Rates & Fees Comparison

Kent Reliance is a building society with over 150 years of heritage that focuses on helping its customers grow their money; the primary services it provides are savings accounts, ISAs and bonds, business savings and mortgages.

Compare Kent Reliance’s mortgage rates

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Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Borrower type	Overall cost for comparison	Cashback	Apply link
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed First-time buyerHome moverRemortgaging		5.69% fixed for 5 years	7.99% variable	75%	First-time buyer, Moving home, Remortgaging	7.3% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed First-time buyerHome moverRemortgaging		5.69% fixed for 5 years	7.99% variable	75%	First-time buyer, Moving home, Remortgaging	7.2% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 2 Years Fixed Kent Reliance 2 Years Fixed First-time buyerHome moverRemortgaging		5.99% fixed for 2 years	7.99% variable	75%	First-time buyer, Moving home, Remortgaging	7.9% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 3 Years Fixed Kent Reliance 3 Years Fixed First-time buyerHome moverRemortgaging		5.99% fixed for 3 years	7.99% variable	75%	First-time buyer, Moving home, Remortgaging	7.7% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 3 Years Fixed Kent Reliance 3 Years Fixed First-time buyerHome moverRemortgaging		5.99% fixed for 3 years	7.99% variable	75%	First-time buyer, Moving home, Remortgaging	7.7% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed First-time buyerHome moverRemortgaging		5.99% fixed for 5 years	7.99% variable	80%	First-time buyer, Moving home, Remortgaging	7.3% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed First-time buyerHome moverRemortgaging		5.99% fixed for 5 years	7.99% variable	80%	First-time buyer, Moving home, Remortgaging	7.4% APRC		Check eligibility View details		loading Fetching your data...

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Kent Reliance’s buy-to-let mortgage rates

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Name	Product	Initial rate	Revert rate (SVR)	Maximum LTV	Overall cost for comparison	Cashback	Link
Kent Reliance 2 Years Fixed Kent Reliance 2 Years Fixed		5.54% fixed for 2 years	7.75% variable	75%	7.9% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed		5.79% fixed for 5 years	7.75% variable	75%	7.4% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed		5.99% fixed for 5 years	7.75% variable	75%	7.4% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 2 Years Fixed Kent Reliance 2 Years Fixed		6.04% fixed for 2 years	7.75% variable	80%	8% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 2 Years Fixed Kent Reliance 2 Years Fixed		6.04% fixed for 2 years	7.75% variable	75%	7.9% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed		6.29% fixed for 5 years	7.75% variable	80%	7.7% APRC		Check eligibility View details		loading Fetching your data...
Kent Reliance 5 Years Fixed Kent Reliance 5 Years Fixed		6.49% fixed for 5 years	7.75% variable	80%	7.6% APRC		Check eligibility View details		loading Fetching your data...

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What types of mortgages can I get with Kent Reliance?

• Fixed rate. Your interest rate will remain the same for a set amount of time.
• Remortgages. You can switch from your existing provider via one of Kent Reliance’s remortgage products.
• Discounted rate Your interest rate will remain a certain percentage below the lender’s standard variable rate for a set amount of time.
• Buy to let. Allowing you to borrow money to purchase an additional property and let it out.
• Interest-only. Your monthly repayments will only take into account mortgage interest. You’ll repay the capital at the end of the mortgage term.
• Shared ownership. This mortgage allows you to buy a percentage of a property and pay rent on the remainder. You can then apply to buy additional percentages as and when you can afford it.

How to apply

Applications for a Kent Reliance mortgage from new customers must be made through a mortgage adviser, while current borrowers looking to change their deal can do so through the website.

What information is needed to apply?

When applying for a Kent Reliance mortgage, you’ll need to provide the following documents:

• Proof of identity such as a passport or driving licence
• Proof of address such as a bank or mortgage statement, utility bill or council tax bill
• Previous 12 months’ employment history
• Latest three months’ payslips
• Latest three calendar months’ personal bank statements.

Self-employed applicants who have been trading for at least 12 months will be considered and will need 12 months’ previous track record in the industry in which they are now currently employed.

Those who have been trading for longer will need to provide the latest three years’ SA302s, finalised accounts or tax calculations submitted to HMRC.

Eligibility criteria

The following eligibility criteria applies for Kent Reliance mortgages:

• Applicants must be between the ages of 18 and 79. The maximum age at the end of term is 85.
• Applicants must have lived and worked in the UK for the last three years.
• Self-employed applicants and contractors will be considered.
• Adverse credit will also be considered.

Applicants must not have had a County Court Judgement (CCJ) or defaults in the past 36 months. They must not have missed mortgage or secured loan payments in the past 12 months.

Those who have a debt management plan (DMP), Individual Voluntary Agreement (IVA), debt relief order (DRO) or who have applied for bankruptcy will not be accepted.

Pros and cons

Our verdict

Kent Reliance offers a range of both buy-to-let and residential mortgages to new and existing customers with a 10-25% deposit. It wins points for accepting self-employed applicants as well as contractors, but as always, it pays to shop around and compare mortgage rates elsewhere before deciding whether a Kent Reliance mortgage is right for you.

Frequently asked questions

• Can fees be added to the mortgage?

  Yes, you can choose to add fees to the loan but interest will be charged, meaning the overall cost of your mortgage will increase.

• What is the minimum and maximum mortgage term?

  The minimum term is two years and the maximum is 35.

• Can I port my mortgage?

  Yes, if you move home and your existing mortgage deal is still running, you may be able to transfer or port it to your new property.