Kingdom Bank is a specialist UK bank with a unique mission: it is a Christian bank dedicated to serving churches, charities, and Christian workers. It is not a general high-street lender for the average homebuyer. You cannot go to them for a standard mortgage if you have no connection to Christian ministry.
Their lending is specifically designed for "Gospel Workers" (such as church ministers, missionaries, and charity staff) who often struggle to get mortgages from mainstream banks due to complex income structures like stipends, housing allowances, or charitable support.
If you would like to compare options you’ve seen offered by Kingdom Bank with other types of lenders from across the market, use our free mortgage tool below:
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About Kingdom Bank
Based in Nottinghamshire, Kingdom Bank has a history dating back to the 1950s. Originally part of the Assemblies of God Property Trust, it was acquired in 2020 by a consortium led by Stewardship (a major Christian charity).
Their lending philosophy is purely manual and relational. They do not use automated credit scoring. Instead, they employ Christian staff who understand the nuances of ministry life, for example, why a missionary living abroad needs a UK foothold, or why a vicar living in a "tied" manse needs to buy a property for retirement.
Mortgage Products
Kingdom Bank’s lending is split into two clear categories: Personal Mortgages for Christian Workers and Commercial Mortgages for Churches/Charities.
1. Mortgages for Gospel Workers
These products are for individuals employed by a church or Christian organisation.
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Home Mortgage: A standard residential mortgage for ministry workers buying a home to live in
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Mortgage with Consent-to-Let (Tied Accommodation):
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This is a key specialism. Many church leaders live in a "manse" or "vicarage" provided by their church
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This product allows them to buy a property now (to get on the property ladder or prepare for retirement) and rent it out until they need to move into it
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Retirement Interest-Only (RIO):
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For ministry workers aged 50+ who want to lower their monthly payments by paying only interest, with the loan repaid when they pass away or move into care
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Shared Ownership: They support Shared Ownership schemes for Christian workers who cannot afford 100% of a home
2. Mortgages for Churches & Charities (Commercial)
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Premises Mortgage: For churches buying a new building, extending their current hall, or buying a community hub
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Housing Mortgage: For charities or churches buying a property to house their staff or pastors
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Pros and Cons of Kingdom Bank
Here is a balanced overview of choosing Kingdom Bank for your finance.
Pros:
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Understanding Ministry Income: High-street banks often reject income types such as "stipends," "housing allowances," or income based on donor support. Kingdom Bank understands exactly how this works and accepts it
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Tied Accommodation Solutions: They are one of the best lenders for vicars/ministers who live in church housing but want to buy a private home for the future
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Ethical Alignment: For Christian borrowers, there is peace of mind knowing the bank shares their values and that the interest paid supports other churches
Cons:
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Strict Eligibility: You must be a Christian worker, missionary, or Christian organisation to qualify. It is not open to the general public
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Cost: As a small, specialist lender, their interest rates are typically higher than the "best buy" rates from giants like HSBC or Nationwide
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Manual Process: The application process can be slower and more document-heavy than an instant digital mortgage from a fintech bank
Customer Service and Reviews
Kingdom Bank serves a niche community, so it doesn't have thousands of reviews on sites like Trustpilot. However, within the UK church sector, it is highly regarded.
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Feedback: Customers frequently praise the bank for being the "only lender who listened" after they were rejected by high-street algorithms due to their unusual income. Reviews frequently mention that staff offer "prayerful support" and genuine empathy, which is unheard of in mainstream banking
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Approach: The service is described as friendly, patient, and highly personal. You are likely to speak to the same person throughout your application.