Important Information

Please be advised we are planning scheduled testing to our systems to improve our service to you. This means the broker portal will be unavailable between 1pm on Saturday 23 November to 9am on Monday 25 November. We apologise for any inconvenience this may cause and thank you for your patience.

Product Finder

Placing Business

From a new residential purchase to applying for further advances or a transfer of equity, find out how to submit your cases here. Please select an option from the dropdown below.

  • Register

    If you’re not yet registered, find out how you can start submitting your cases with us.

    Register

  • Log in to the portal

    You can submit an application with us online. To begin, please log in to our online portal, all you need is your username and password.

  • Produce a Key Facts Illustration

    Select “Illustration” in the top navigation of our online portal and follow the instructions on the screen.

  • Submit an Agreement in Principle (AIP)

    Select “AIP” in the top navigation of our online portal and follow the instructions on the screen.

    At the end, you'll be met with one of the following AIP decisions:

    Decision Meaning
    Accept You can proceed to produce a KFI and confirm your fees
    Refer Our underwriting team will review your case. Please check back within the next full working day
    Decline Unfortunately, we can't accept your agreement in principle
  • Submit your full application

    To avoid delays, use our checklist to make sure you've gathered all the information we need.

    Download checklist

    Your application can be submitted online. To start, log in to our online portal and select your case.

    Upload the required evidence as described on screen. Please ensure you click “Checklist” on the screen to see all of the requirements.

    Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.

  • Completion

    Once you've checked that you and the applicants are happy with the offer, you need to check our online portal to see when your case has completed.

    Please note that for any shared ownership application, a member of our shared ownership solicitors panel must be instructed by yourself or the applicant.

    Please note that the earlier this is carried out, the quicker the conveyancing process is likely to be. This is because your selected solicitor will be able to commence the initial checks prior to your offer being issued.

  • Agreement in Principle

    Download and complete the further advance AIP & application form and email it to furtheradvance@krbs.com

    This form provides us with:

    • The authority to speak to you on your client’s behalf
    • The information to generate a Mortgage Illustration for your client
    • Your client's consent to run an Agreement in Principle.

     

    Has there been any substantial alterations or structural changes to the property since the original first charge was registered?

    Please provide any documents relating to any alternations to the property since the first charge alterations, including but not limited to:

    • Planning permissions
    • Building regulation approvals
    • Any other relevant consents.

     

    Are there any subsequent charges registered after Kent Reliance’s first charge?

    Please provide us with any information about additional charge holders on the existing mortgage. To complete the process, the Bank will need to contact them so our Deed of Postponement can be completed to ensure their charge ranks behind the Bank’s first charge and further advance in priority.

    You should have a response to the Agreement in Principle within 48 hours.

  • Confirm full application

    Once your client’s enquiry has been agreed, email the completed further advance AIP & application form and email it to us at furtheradvance@krbs.com together with all information requested at the Agreement in Principle stage.

  • Completion

    Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.

    Once you've checked that you and the applicants are happy with the offer, please arrange for the applicants to sign and return one copy of the offer so that we can proceed with the completion.  

Do I use the online or paper process?

The process you need to follow depends on your customer's account number:

Online portal (0800 account numbers)

  • Go to choices portal

    Step 1 Log in to our online portal.
    Step 2 Select “product transfers” from the options available.
    Step 3 Select whether you are placing a new product transfer request, and log in using your client’s mortgage details.
    Step 4 Follow the instructions on screen to complete the product transfer request.
  • Completion

    We'll email you with confirmation that the request has been processed and when the change will take effect.

    You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.

Paper-based process (7000 account numbers)

  • Complete authorisation form

    Step 1 Retrieve the customer product transfer information letter and view our products to see what’s available for your client.
    Step 2 Download and complete the product transfer broker authorisation form and ensure it’s signed by you and your client.
    Step 3 Email the completed form and your product selection to brokertransfers@krbs.com

    Confirmation (within five working days)

    Step 1 We'll reply within five working days with the customer product transfer information. Please review this and ensure it's what your client requires.
    Step 2 Arrange for the customer to sign the offer acceptance form and return to brokertransfers@krbs.com
  • Completion

    In five working days, we'll email you with confirmation that the request has been processed and when the change will take effect.
    You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.

For porting applications, any early repayment charges will not be charged but the existing interest rate will not apply to any additional funds your client borrows unless it's our standard variable rate.

  • Complete the mortgage application form

    Step 1 Download and complete our mortgage application form, clearly writing on the top of the front page “Porting Application”
    Step 2 Email the completed form to furtheradvance@krbs.com.
  • Confirmation

    You should have a response to the Agreement in Principle within 48 hours.

If your client's circumstances change and they want to add or remove a borrower from the property title or transfer ownership of a property, our mortgage operations team are on hand to help.

You can contact the team on 0345 122 0033.

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