Best Kent Reliance mortgage deals
Whether you're an existing customer or first-time buyer, compare the best mortgage interest rates from Kent Reliance with our comparison tool below. To see what rate you could be offered, create a free Tembo plan.
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What type of mortgages does Kent Reliance offer?
Kent Reliance offers a decent range of mortgage products, namely fixed-rate mortgages. This includes 5% deposit mortgages (95% Loan to Value) for first-time buyers, as well as up to 90% LTV mortgages for remortgagers. They also offer shared ownership mortgages, allowing you to borrow up to 100% of the share value you're purchasing - so you can make home happen at a more affordable cost. For Buy to Let customers, Kent Reliance also offer new and existing landlords loans up to 80% LTV, accepting HMOs up to 20 bedrooms!
How much could I borrow from Kent Reliance?
Like most mortgage lenders, Kent Reliance offers a range of mortgage products with different eligibility criteria. How much you could borrow for a mortgage depends on which products you're eligible for, your household income and deposit, and other factors like your credit score, employment type, and outgoings. Typically you can borrow between 4-4.5 times your income, although for high net-worth individuals, Kent Reliance offers options with no maximum loan amount.
Please note, Kent Reliance is an intermediary mortgage lender, so you have to go through a broker like us to apply to their products. As with any provider, whether Aldermore is the best provider for you depends on your affordability and unique circumstances, what mortgage products you're eligible for, and what the market is currently like. Our award-winning team here at Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.
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Can I make overpayments on a Kent Reliance mortgage?
Yes, if you currently have a Kent Reliance mortgage you can pay an overpayment of up to £499.99 per month above your monthly repayment without incurring an Early Repayment Charge (ERC). Anything above this amount may, you will have to pay an ERC on.
While it may not be the biggest lender, Kent Reliance is a recognisable and respected name. They can be a good option for those with complex incomes, or if you're a higher earner. However, in comparison to other providers Kent Reliance do not offer as many specialist schemes. So if you need help getting on the ladder, they might not be the right provider for you.
Andy Shead
Senior Mortgage Advisor at Tembo
Are Kent Reliance a good lender?
Founded 150 years ago, Kent Reliance prides itself on being a national bank with a "local feel". In fact, they have a 4.0 out of 5 stars rating on Trustpilot from over 2,200 reviews - much higher than some of the other big names like HSBC, Santander and Nationwide. They've also won a fair share of awards over the years, including Best Fixed Term Savings Account Provider at the YourMoney.com Awards and the Moneynet Awards in 2023.
Kent Reliance is known for offering a wide range of solutions for applicants with multiple income sources, entrepreneurs, the self-employed, high-net-worth individuals and professionals such as doctors and nurses. However, while they do offer shared ownership mortgages, they offer fewer mortgage options than other lenders. For those struggling to get on the ladder, this might mean Kent Reliance isn't the best choice if you need something more niche.
Does Kent Reliance offer guarantor mortgages?
Kent Reliance does not offer guarantor home loans such as Joint Borrower Sole Proprietor mortgages (a.k.a an Income Boost) or Savings as Security mortgages. But they do offer shared ownership mortgages, which can be a way to make homeownership more affordable.
As with any lender, whether Kent Reliance is the right mortgage lender for you (or your customer) depends on your affordability and individual circumstances, what mortgage products you're eligible for, and what the market is currently like. An expert mortgage broker like Tembo can help you navigate these factors to ensure you get the best mortgage deal for you.
Have a customer who is struggling with affordability? Refer your case to Tembo today
Looking for a new mortgage?
First home
Unsure which mortgage deal to go for? Buying your first home can be confusing and overwhelming. Get help from the experts.
Remortgage
Coming to the end of your current deal? Remortgage onto a new one with our help. We'll show you whether you should stay with the same lender, or switch.
Moving home
Upsizing to your forever home? Or maybe you're downsizing to something more manageable. Whatever your reason for moving, we can help you find the best deal for you.
Buy to Let
Thinking of becoming a landlord? We can help you discover the best buy to let mortgage deal for you and how you could boost your mortgage affordability.
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The application process
4 simple steps to buying your first home or remortgaging
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Check your eligibility for a range of mortgages and buying schemes, and get a personalised recommendation with interest rates and repayments in under 10-minutes.
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Book a call with our experts to complete the qualification process, and we’ll cover off any questions you might have about any of the mortgage deals and budget-boosting schemes we advise on.
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Next, your dedicated advisor will undertake full affordability checks to prepare the mortgage application. Then we’ll submit it on your behalf!
Make home happen
Your Tembo advisor will be on hand to ensure everything runs smoothly, so you can move onto your new deal as quickly as possible.
