Get Expert Support for Kent Reliance Mortgages
Specialist Support for Kent Reliance Mortgages
Kent Reliance is a specialist UK lender providing residential and buy-to-let mortgages with a focus on non-standard and complex income borrowers. They are recognised for flexible lending, accommodating self-employed and contractor applicants, and offering competitive broker-exclusive deals. At Mortgage‑Tek, we connect you to Kent Reliance’s best mortgage options and provide expert guidance throughout the process.
We work with more than 120 mortgage lenders, including
Why
Why Kent Reliance Mortgage Is a Great Option
Why Kent Reliance Mortgage Could Be the Right Fit for You
Kent Reliance mortgages are ideal for borrowers who may not fit traditional lending criteria. Self-employed individuals, contractors, and those with irregular or complex income benefit from Kent Reliance’s flexible underwriting approach, where experienced underwriters assess applications instead of automated systems.
They offer competitive rates on a variety of mortgage products, including residential, buy-to-let, and remortgages. Many of Kent Reliance’s most attractive deals are broker-only, and Mortgage‑Tek ensures you access them with full guidance and support through the application journey.
Criteria of Kent Reliance Mortgage
Who Can Apply for a Kent Reliance Mortgage?
Age Criteria
Applicants must be at least 18, with maximum age at mortgage term end typically between 70–75 years depending on product.
Residency Status
UK residency with verifiable address history is required to satisfy Kent Reliance’s underwriting and compliance standards.
Residency Income
No strict minimum income, but affordability checks ensure applicants can reliably meet mortgage repayment obligations.
Buy-to-Let Income
Minimum income usually £25,000; rental income must meet Kent Reliance’s ICR, typically 125–145% of mortgage interest.
Self-Employment History
Self-employed applicants need at least 12 months trading history with supporting documents such as SA302s, tax returns, or accounts.
Contractor Criteria
Contractors must provide a current contract and proof of day-rate income; some zero-hour contracts may be considered.
Credit Profile
Clean credit history preferred; minor issues may be considered case by case, but serious adverse credit affects eligibility.
Property Standards
Properties must meet Kent Reliance’s valuation requirements and acceptable construction standards to qualify for mortgage approval.
Affordability Checks
Applicants must pass Kent Reliance stress and affordability tests to ensure repayments remain manageable if interest rates rise.
Benefits of Securing Kent Reliance Mortgage
Why Choose a Mortgage from Kent Reliance Mortgage?
Kent Reliance provides flexibility, competitive rates, and specialist support for a variety of borrower types.
Flexible Lending Criteria
Accepts applicants with non-standard income, including self-employed, freelancers, and contractors.
Manual Underwriting
Applications are assessed by experienced underwriters, improving approval chances for unique financial circumstances.
Competitive Interest Rates
Offers fixed-rate, tracker, and broker-exclusive deals often better than high street rates.
Buy-to-Let Friendly
Suitable for individual and limited company landlords, including first-time landlords and portfolio investors.
Support for Product Transfers
Existing customers can switch products without a full remortgage.
Backed by Kent Reliance
As a specialist lender, Kent Reliance provides tailored mortgage solutions with reliability and long-term focus.
Partnering with Kent Reliance Mortgage
Our Role in Securing Your Kent Reliance Mortgage
At Mortgage‑Tek, we work closely with Kent Reliance to help you access the right mortgage product without stress. As authorised brokers, we understand Kent Reliance’s lending criteria, product range, and underwriting approach. From initial consultation to final approval, we manage the process, compare options, prepare your application, and liaise directly with Kent Reliance. This ensures a smoother experience, saves time, and increases your chances of securing the ideal deal.
Compare & Find the Right Mortgage For You
Compare Kent Reliance Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Kent Reliance mortgages with top UK lenders to see how their flexible criteria and competitive rates stack up. Whether self-employed, a contractor, or a landlord, we help you find the best-suited option.
Mortgage Quote
Get a personalised quote from Kent Reliance via Mortgage‑Tek. We assess your situation and provide clear guidance on the most suitable product, without obligation or pressure.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to get an estimate based on your income and expenses. Whether buying your first home, moving, or investing, it’s a helpful first step before consulting an expert. No credit checks, instant, accurate results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Kent Reliance Mortgages?
We guide you through Kent Reliance mortgage products and help secure a deal tailored to your circumstances.
Fast, clear, and personalised advice brings you one step closer to your new home.
FAQ’s
Can I apply directly with Kent Reliance Mortgages?
Most products are available via authorised brokers like Mortgage‑Tek to access exclusive deals.
Does Kent Reliance accept self-employed or contractor applicants?
Yes. Applicants need at least 12 months of trading history with supporting documents such as SA302s or tax returns.
What is the minimum deposit required for a Kent Reliance mortgage?
Residential mortgages usually require 5% deposit (95% LTV). Buy-to-let mortgages typically require 20–25%, depending on property and circumstances.
Can limited company landlords apply for buy-to-let mortgages with Kent Reliance?
Yes. Kent Reliance supports individual and limited company landlords, though additional documentation such as company accounts and director details may be required.
How long does it take to get a mortgage offer from Kent Reliance?
Once all documents are submitted, Kent Reliance usually issues offers within 10–15 working days, depending on case complexity and property valuation.
What credit score do I need to qualify with Kent Reliance?
No published score exists. Clean credit history improves approval chances, while minor credit issues may be considered case by case.