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Kingston Finance Ltd – Residential Finance Referral Scheme

1. Scheme Overview

Kingston Finance Ltd introduces an exclusive Referral Rewards Program to encourage existing customers and partners to refer new residential finance clients. Earn cash rewards and exclusive benefits for every successful referral!

2. How It Works

1. Refer a Friend – Existing customers, accountants and estate agents can refer potential clients.

2. Successful Mortgage Approval – The referred individual must successfully complete a mortgage application.

3. Get Rewarded – Both the referrer and the new customer receive benefits.

3. Referral Rewards Structure

For Customers (Existing & New)

Referrer and the customer has the choice to decide whether to accept the cash reward or ask to pay the cash to a charity of their choice.

Referral Stage Referrer Reward New Customer Reward
Mortgage Completion
£200 Cash Reward
£100 Cash Reward
High-Value Mortgages (£500K+)
Extra £100 Bonus
Extra £100 Cash Reward

For Business Referrers (Estate Agents, Brokers, Solicitors)

Referrals per Quarter Reward per Referral* Bonus**
1-3 Referrals
£250 per Completed Mortgage
–
4-6 Referrals
£300 per Completed Mortgage
Extra £250 Bonus
7+ Referrals
£400 per completed mortgage
Extra £500 Bonus

Eligibility criteria

  • Referrals must be for residential mortgages within England and Wales
  • The new customer must not have previously applied for a mortgage with Kingston Finance Ltd.
  • The referrer must provide the referral before the new applicant applies.
  • The mortgage application must be approved and completed for rewards to be issued.

Pre-Qualification Criteria for Referred Applicants

A referred customer must meet at least four out of five of the following criteria before proceeding with a mortgage application:

A. Financial Eligibility

  • Minimum Income: £25,000+ per year (single) or £40,000 (joint application).
  • Credit Score: Minimum 600 (or “Good” rating based on UK credit reference agencies).
  • Deposit Availability: Minimum 5% deposit for standard mortgages.

B. Property & Loan Suitability

  • The property must be residential and located within England and Wales
  • Mortgage value must be at least £250,000.
  • The applicant must be a UK resident and at least 21 years old.

C. Employment & Income Stability

  • Must be employed (full-time, part-time, or self-employed) for at least 12 months.
  • Self-employed applicants need two years of verified tax records.

How to Refer

  1. Online Form Submission – Fill out a referral form on Kingston Finance Ltd website.
  2. Referral Code Sharing – Unique referral codes for easy tracking.