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Your guide to help you make the right move, whether you are buying your first home, moving home or just wanting to move your mortgage, we will help make the process simple. We all know that buying a home can be stressful and there is so much involved... estate agents… solicitors...surveys...mortgages... and so much more to remember.

At Reliance Bank, we do not offer advice or recommendation; we only offer an execution-only mortgage service.  The following information gives an overview of our mortgage procedures and will help you decide whether a Reliance Bank Mortgage is suitable for you.

How much will we lend?

The amount we are prepared to lend will depend on your individual circumstances - we will look at your income and the value of the property you want to buy. We will always be happy to consider requests that fall outside these guidelines, but as a general rule we will consider lending:

 Loan as a multiple of income:

  • Sole applicant - Up to 4.5 x salary

  • Joint applicant - Up to 4.5 x 1st salary plus 1 x 2nd salary or 3.5 x joint salary

  •  First time buyers only - applications for loans of 90%, may be considered on an individual basis

  • For lending between £250,000 and £500,000 the minimum deposit is 20%

  • Minimum loan £50,000

  • For house purchases or re-mortgages up to £250,000 the maximum loan is 85% of the value of the property. Minimum deposit 15%


We do not accept applications where applicants require borrowing to fund a deposit. For example, we will not accept funding or partial funding of a deposit by raising a personal loan.

Shared Ownership Purchases

We are presently accepting mortgage applications for shared ownership purchases, subject to Reliance Bank Limited having a First Legal Charge over the property.


Which mortgage is right for you?

Reliance Bank has the following mortgage products, and it is your decision which is suitable for your individual needs.


If you are interested in a Buy to Let Mortgage, please click here

 Move your mortgage without moving home

 If you are considering switching your mortgage you may find that you could save money by re-mortgaging with us.


Mortgage Promise

If we give you a Mortgage Offer or an Agreement in Principle, it will be subject to:

  • A satisfactory valuation or assessment of the suitability of the property to be mortgaged

  • The information you have supplied us being correct

  • Confirmation of your decision to proceed on an execution-only basis


Additional information to consider


From 26 April 2014, The Financial Conduct Authority has established new rules for lenders and advisers in the UK.  Reliance Bank is a responsible lender and abides by these new rules and regulations, offering an Execution-only mortgage service.  This means that we can not provide any advice with our mortgages.  For more information go to: www.fca.org.uk/getting-a-mortgage

For full details on our Mortgage Services, please refer to the pdf at the bottom of this page called 'About Our Services'.

Our mortgages are subject to security and status. A legal charge will be taken over the property and we may also require to hold life policy documents.

Additional features of all Reliance Bank's mortgages

  • Interest is calculated daily

  • You don’t have to bank with Reliance Bank to apply

  • Personal service and management through from the start for your applicaton to completion

Interested? Please call us for our Mortgage brochure on 020 7398 5440 or alternatively print the documents listed below and forward your completed application with supporting documentation to our office.

Documents can be viewed using Adobe Reader


Document Name

File Size (KB)

Further Advance Application Form

375 KB

Mortgage & Property Application Form

482 KB

Mortgage Disclosure Document

190 KB

Mortgage Terms & Conditions

407 KB

Our Mortgages – Your choice

45 KB

Proving Your Identity Brochure

1334 KB


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Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
Reliance Bank Limited, Faith House, 23-24 Lovat Lane, London EC3R 8EB. Telephone: 020 7398 5400 Fax:  020 7398 5401
Reliance Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
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