Kent Reliance Building Society

Kent Reliance for Intermediaries treats every case individually because their team knows that when it comes to mortgages, not everyone's needs are the same.

Some of Kent Reliance's most popular products include:

  • Buy to Let for both private and professional landlords
  • HMOs and Multi-Unit Freehold Blocks
  • Expat Buy to Let (Standard and Specialist)
  • Shared ownership for borrowers in partnership with a Housing Association
  • Mortgages for the self employed
  • Mortgages for Contractors
  • Bespoke Mortgages

**New Prime and Near Prime Residential Ranges Through AToM**

Prime Range

  • Rates starting from 3.19%
  • Up to 90% LTV
  • Loans from £100,000
  • Loans up to £3,000,000
  • ERC Free discounted products available
  • Available on Interest-Only up to 90% LTV (subject to repayment vehicle)
  • 0 CCJs or Defaults in 36 months
  • Max 2 arrears in 24 months (0 in 12 months)

Near Prime Ranges

  • Near Prime 1
  • Rates starting from 3.19%
  • Up to 90% LTV available
  • 0 CCJs or Defaults in 24 months
  • Max 0 secured arrears in 12 months (currently up to date)
  • Max 2 unsecured arrears in 12 months (currently up to date)
  • DMPs accepted with 12 months satisfactory conduct

  • Near Prime 2
  • Rates starting from 3.69%
  • Up to 85% LTV available
  • 0 CCJs or Defaults in 12 months (1 in 24 months)
  • Max 0 secured arrears in 12 months (currently up to date)
  • Max 2 unsecured arrears in 12 months (currently up to date)
  • DMPs accepted with 12 months satisfactory conduct
  • IVAs & Bankruptcies discharged over 6 years ago acceptable

  • Near Prime 3
  • Rates starting from 3.99%
  • Up to 80% LTV available
  • 0 CCJs or Defaults in 6 months (1 in 24 months)
  • Max 0 secured arrears in 6 months (currently up to date)
  • Max 2 unsecured arrears in 12 months (currently up to date)
  • DMPs accepted with 12 months satisfactory conduct
  • IVAs & Bankruptcies discharged over 3 years ago acceptable

**New Enhanced Expat BTL Range**

  • HMOs now available to Expats
  • UK Ltd Company/LLP applications now available to Expats
  • Available through all of England and Wales
  • Australian Expats now accepted (where property is owned by a UK Ltd Company)
  • 2 Year discounted rates available
  • 2, 3 and 5 year fixed rates available
  • Rates from 3.99% (standard and specialist)
  • Minimum Income of £50,000 (sterling equivalent)
  • Minimum Loan of £125,000
  • Maximum Loan of £3,000,000
  • Available to self-employed applicants (must be a "professional" with an internationally recognised accountant. Must have a UK address, PO Box addresses are not acceptable)

Kent Reliance Key Standard and Specialist BTL Product Features Include:

  • Standard range - individuals purchasing or remortgage single properties
  • Specialist range - Ltd Companies or Individuals purchasing or remortgaging HMOs or Student Lets
  • Up to 85% LTV (including First Time Landlords)
  • Rates from 3.59% (standard range)
  • Rates from 3.19% (specialist range)
  • 2 year discount rates with No ERCs available
  • 2, 3 and 5 year fixed rate options available
  • Fees assisted remortgage range - Free standard legals an refunded valuation (up to value of £500K)
  • Loans from £75,000 to £1,000,000 on standard size loans
  • Loans from £1,000,000 to £3,000,000 on large loans range
  • Large loan range available up to 80% TLV
  • Available to Individuals, LLPs and Ltd Companies
  • HMOs and Student Lets available up to 85% LTV

Kent Reliance Key Residential Product Features Include:

  • Up to 90% LTV (on loans over £250,000)
  • Loans from £75,000 up to £3,000,000
  • Rates starting from 3.19%
  • 5 year fixed rates available to assist affordability
  • 2 year discount rates with No ERCs available
  • Shared Ownership - Up to 100% of the value of the share your client/s are buying
  • Shared Ownership - Rates starting from 4.49%
  • Shared Ownership - Fixed £399 Product Fee
  • Interest-Only - Available up to 85% LTV
  • Interest-Only - Minimum property value of £500,000

To discuss Kent Reliance, call our sales team on 01403 272625 (option 2) or email us at sales.team@atomltd.co.uk

Kent Reliance