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Kent Reliance: Mortgages reviews

Name: Mortgages
Rating: 1.41 (29 reviews)

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1.33

Based on 29 reviews, last reviewed 13th Jun 2025

No new 5 star reviews

in the past 90 days

100% decrease in 1 star reviews

in the past 90 days

3 star

87%

Latest highest rating:

4

VERY PROFESSIONAL TEAM VERY HAPPY WITH THE OVERALL EXPERIENCE FROM START TO FINISH GOOD TEAM Reviewed on: 4th June 2020

Latest lowest rating:

1

very bed valuations according to all valeueters very bed valuations according to all valeueters Reviewed on: 13th June 2025

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About this product

Kent Reliance is a banking services provider and specialist lender. The lender only accepts mortgage applications from qualified mortgage advisors. It’s important to be confident that you understand the Ts and Cs and interest rate of a mortgage. Always consult the lender or an independent advisor if you have any questions or need help understanding your options.

Buying your home will likely be the largest financial decision you make in your lifetime. That’s why it’s important to find the right lender and mortgage for your needs. We collect Kent Reliance mortgage reviews to give you valuable insight into life as a Kent Reliance borrower.

Find out from homeowners why they chose a mortgage with Kent Reliance. Read about the main pros and cons they’ve experienced to make an informed decision about whether the lender is right for you. Learn more about the support provided by the lender and how communicative it is with its borrowers. Browse through our Kent Reliance mortgage reviews to find the ones most useful to you.

Did Kent Reliance help you buy your home? Share your honest experience with the lender by writing a review on Smart Money People. What mortgage do you have and have you been satisfied with it throughout the term? Share your experience with the application process and how supportive you felt Kent Reliance was throughout it. Have you been kept up to date with any important mortgage news and changes? Would you recommend the lender and mortgage to your family and friends? Whether good or bad, leave a Kent Reliance mortgage review today. Together, we can help people like you make better financial decisions.

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Kent Reliance Mortgages reviews (29)

DO NOT WASTE YOUR TIME AND MONEY

Mess me around 3 months for remortgage my buy to let property they always had a excuse either system is down or case Menager away or waiting valuation and asking more documents over and over again end up lost £1400 fees and 3 months time DO NOT GO head with this company one of the worse company I have ever dealt JUST WASTE OF TIME AND MONEY Reviewed on: 5th July 2022

One of the exeperience I have ever had

My name Mehdi Rahal we applied for mortgage with them about 3 months ago through TNP brooker, they took my evaluation money of £490.00 constently asking for documents you have allready send, everytime you send any details to them it takes them 6 to 7 days to reply and than they ask you for the same question again, yesturday my mortgage application was rejected after 3 months of waiting TMP my brooker call them up and ask them why they rejected the, they cant give the reason why, I was in a chain with others awaiting to exchange contract on their morgages I am know back to square one henting for a mortgage again. I be seeking legal advice my evaluation fee back, stay way from kent alliance the are the worst company ever Reviewed on: 28th June 2022

Piss Poor HMO Lenders

This company was chosen by my Mortgage advisor because they are supposed to be specialists lenders for HMO, the RICS valuer they sent gave an established HMO property of seventeen years standing a zero valuation. They ignored the Appeal which contained evidence of demand and comparable. Wish I knew who the valuer was, I'm also RICS. Reviewed on: 28th March 2022

No Duty Of Care To The Customer

I have been waiting for a reply from June2021. A woman by the name of Alex in customer relation is to get back to me. After numerous calls and letters to the chairman there is still no action. No duty of care or regard for the customer. One star is a star too many for this company. Reviewed on: 21st February 2022

This company does not even deserve 1 star.

AVOID AT ALL COST!!! Absolutely disgusting service, misled us. Accepted us in principle and led us right to the end near to the completion date and then refused to offer us the mortgage. They took £819 off of us which i am now battling to get back. I will be taking this up with the financial ombudsman. Reviewed on: 21st December 2021

8 Months and counting for remortgage!

My experience is one that is on going. Valuation completed last August 2020, and I am still waiting to complete the mortgage!!! Even though I am an existing borrower of there's (borrowed from them in March 2020) The underwriters still ask some silly questions. I was informed underwriter had left who was dealing with my case and was not allocated to another underwriter until I kept asking what is happening with my mortgage, this was Oct 2020. So we started again and had to answer all questions again to new underwriter. Then there was a fault with there portal to upload documents, now we are into December 2020! Mortgage offer finally arrived just before Christmas! but expired 19th Jan! Then Kent Reliance had the cheek to ask me what was the delay in completing this mortgage!!!! They have come back to me early Feb to ask for MORE documents which promptly sent back and now its 1st March 2021 and feels like no closer to completing this mortgage. 8 months for a simple mortgage! (not even a purchase, mortgage of unencumbered property). It has been a terrible experience I would rather pay little more interest and got to an lender that is competent. I strongly advise looking elsewhere! Reviewed on: 1st March 2021

Steer clear - go elsewhere!

I wouldn't recommend Kent Reliance to anyone and I feel totally foolish for not doing my research and reading reviews beforehand, but I was super eager to get the ball rolling with the purchase of a property. At the start of the mortgage application process I had to pay a valuation fee, then during the process they continuously asked me for reams of paperwork, some of which they already had, and they had question after question despite completing on a flat in the same building. Still nearly THREE months later I am no further down the line. It seems they take the valuation fee then make it as tricky, stressful and unpleasant as possible. My broker has even commented on the time it's taking, apologising (its not his fault!!) and surprised it's going on and on - he's even suggested we try elsewhere. Reviewed on: 22nd February 2021

Deliberately unhelpful & obstructive company- AVOID THEM

Kent Reliance continues to do all it can to stop its existing mortgage customers from benefiting from the mortgage holiday relief the Government has put in place. They now refuse all mortgage holiday relief unless unneccessary and exhaustive finacial expenditure forms are submitted delaying the whole process in their favour or outright declining the requests. How strange these forms were not required previously but are now complusory. Will be reporting to the ombudsman but be warned- dodgy practice indeed from a very dodgy mortgage company. Reviewed on: 6th November 2020

VERY PROFESSIONAL TEAM

VERY HAPPY WITH THE OVERALL EXPERIENCE FROM START TO FINISH GOOD TEAM Reviewed on: 4th June 2020

Fees Fees and More Fees

As others have mentioned on here the one thing that kept niggling us were the fees charged by KRBS. Once your special rate comes to end end and your interest shoots up to 6% + they will offer your another deal to 'lock in' again for another 2 3 or 4 years, then comes the hit, they want to charge you and its usually around the 500 mark, basically they ask do you want to pay it now? or add it to your mortgage balance? We left after 5 years with them for this reason. It's like a KRBS 'merry go round' you seem to be unable to get of it unless you make the jump. We did, now with another BS who charge no product fees/establishment fees and have better interest rates and no call centre in India. Reviewed on: 13th May 2020

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