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Home  About Us Mortgages Personal Banking Business Banking Bank Services i-bank Service Information

Mortgages

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.

At Reliance Bank, we do not offer advice or recommendation; we offer an execution-only mortgage service. The following information gives an overview of our mortgage procedures and will help you make a decision based on your individual circumstances and needs.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

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. Please read our Mortgage Rate Table for a guide on our execution-only mortgage product range.

Try our mortgage calculator at the top of this page to give you an indication of your monthly repayments.

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

Which mortgage is right for you?

Our Mortgage product range is based on our level of service which is execution-only. Reliance Bank will provide information only so that you can make a decision based on your individual circumstances and needs. Reliance Bank do not provide advice on mortgages. From the options below, select the link that best describes your circumstances:

For existing customers your rate may be on either the Standard Variable Rate or the Home Mortgage Variable Rate. Please refer to your individual Loan Agreement.

The Fixed Rate Mortgages shown in our rate tables run to a specific end date for example a 2 year fixed rate does not necessarily last 24 months.

APRC

The APRC (Annual Percentage Rate of Charge) is the total cost of the credit to the consumer, expressed as an annual percentage.
The APRC (previously known as APR until recent regulatory changes) is the official cost for comparison. It's calculated using the average cost per year, including fees associated with the mortgage. However, it assumes you keep the mortgage for the entire term rather than just the initial deal period.

Execution-Only

Reliance Bank’s Mortgage Rate Table is based on our level of service which is execution-only. Reliance Bank do not provide advice on mortgages.

Our Mortgage Product Fee

  • We provide a couple of options for you to consider:
  • We have a Mortgage Product Fee of £995 which you can pay upfront at the point of application.
  • Alternatively, you can add this Mortgage Product Fee to the mortgage. If you do this, interest will be added and paid over the term of the mortgage.
  • We also have a range of Mortgages without a Mortgage Product Fee. Please refer to our Mortgage Rate Table.

IMPORTANT INFORMATION

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 pdfs on the following pages:

Our mortgages are subject to security and status. A first 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
  • Interest is charged in arrears
  • You don’t have to bank with Reliance Bank to apply
  • Personal service and management throughout. From the start for your application to completion

Interested? Call us on 020 7398 5400 or alternatively print the documents listed below and forward your completed application with supporting documentation to our office.


Valuation Fees – please refer to our Valuation Fees page for more information.


Documents can be viewed using Adobe Reader


 

Document Name

File Size (KB)

Factsheet Mortgage and Supporting you

476 KB

Mortgage RICS Homebuyer Report

438 KB

Mortgage Terms and Conditions

635 KB

RBL Mortgage Basic Valuation fees

426 KB

RBL Mortgage Tariffs

609 KB

What you need to open an account

365 KB


 
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For security, Please ensure that you are always on this domain www.reliancebankltd.com or ibank.reliancebankltd.com when using our banking services. If you suspect that you are on a 'fake' domain, please contact Reliance Bank on 020 7398 5400.

Reliance Bank Limited. All rights reserved. Registered in England. Registration no. 68835.
YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
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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