Kent Reliance Mortgage Rates & Fees Comparison

Kent Reliance offers a range of fixed and variable rate mortgages that could be suitable for you.

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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

1 - 7 of 28
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Kent Reliance 5 Years Fixed
Kent Reliance 5 years Fixed
5.84% fixed for 5 years
8.74% variable
75%
7.7% APRC
View details
Kent Reliance 5 Years Fixed
Kent Reliance 5 years Fixed
5.84% fixed for 5 years
8.74% variable
75%
7.8% APRC
View details
Kent Reliance 5 Years Fixed
Kent Reliance 5 years Fixed
6.14% fixed for 5 years
9% variable
90%
8% APRC
View details
Kent Reliance 2 Years Fixed
Kent Reliance 2 years Fixed
6.19% fixed for 2 years
8.74% variable
75%
8.6% APRC
View details
Kent Reliance 2 Years Fixed
Kent Reliance 2 years Fixed
6.19% fixed for 2 years
8.74% variable
75%
8.5% APRC
View details
Kent Reliance 5 Years Fixed
Kent Reliance 5 years Fixed
6.24% fixed for 5 years
8.74% variable
85%
8% APRC
View details
Kent Reliance 5 Years Fixed
Kent Reliance 5 years Fixed
6.24% fixed for 5 years
8.74% variable
85%
7.9% APRC
View details
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Kent Reliance’s buy-to-let mortgage rates

1 - 7 of 25
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Kent Reliance 2 years Fixed
4.64% fixed for 2 years
8.5% variable
70%
8% APRC
View details
Kent Reliance 5 years Fixed
5.14% fixed for 5 years
8.5% variable
55%
7.3% APRC
View details
Kent Reliance 5 years Fixed
5.24% fixed for 5 years
8.5% variable
65%
7.3% APRC
View details
Kent Reliance 5 years Fixed
5.34% fixed for 5 years
8.5% variable
75%
7.9% APRC
View details
Kent Reliance 2 years Fixed
5.39% fixed for 2 years
8.5% variable
75%
8.6% APRC
View details
Kent Reliance 2 years Fixed
5.39% fixed for 2 years
8.5% variable
75%
8.7% APRC
View details
Kent Reliance 5 years Fixed
5.44% fixed for 5 years
8.5% variable
55%
7.4% APRC
View details
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Overall representative example
If you borrow £178,000 mortgage over 25 years initially at 4.63% fixed for 60 months reverting to 6.99% variable for term. 60 monthly payments of £1002.56 and 240 monthly payments of £1214.16. Total amount payable £351,932.00 includes loan amount, interest of £173,552, valuation fees of £0 and product fees of £0. The overall cost for comparison is 6.2% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

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

Pros

  • Range of residential and buy-to-let mortgages to choose from
  • Self-employed applicants and contractors are considered
  • You do not necessarily need to have an excellent credit score to apply
    • Cons

      • Those with CCJs, IVAs, DROs, DMPs and those who have been made bankrupt will not be accepted
      • Early repayment charges apply to fixed rate mortgages if you leave your deal early
      • You will need at least a 10% deposit to apply

      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

      We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables has the source: Moneyfacts Group PLC. In other cases, Finder has sourced data directly from providers.

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