Home loans are harder on a stipend. We know who to call.
A minister earning a modest cash salary plus substantial exempt benefits has real, dependable income. Many lenders simply cannot see it. We introduce ministers to licensed brokers who work with clergy income week in, week out.
One-minute request · Licensed brokers · Fee disclosed up front
Real income the assessor has never met.
A packaged stipend is real, dependable income. But applications get declined or under-approved because the assessor has never met one before: a modest cash salary on the payslip, and the substantial exempt benefits that sit alongside it nowhere the bank knows to look.
Vestry Lending introduces ministers to licensed mortgage brokers who work with clergy income week in, week out, and know which lenders assess it fairly.
One minute from you. Then a specialist calls.
Ask for an introduction
A minister asks for an introduction from inside Vestry, or from this page. It takes one minute.
We pass on your name, and that's all
With their consent, we pass their name and contact details to a partner broker. That is the entire handover.
The broker takes it from there
The broker makes contact within two business days. From that point everything, including all advice and any application, happens directly between the minister and the broker.
Licensed, with a legal duty to you
Partner brokers are licensed under the National Consumer Credit Protection Act and owe borrowers a legal best interests duty.
What we do, and what we never do.
What we do
- Introduce you to a specialist broker who understands clergy income
- Tell you the referral fee amount before you accept the introduction
- Pass your details only with your consent
What we never do
- Compare loans or recommend lenders or products
- Negotiate rates
- Help complete applications
- Let the fee change the rate you are offered
The broker pays Vestry a referral fee when a loan settles, and we tell you the amount before you accept the introduction. The fee never changes the rate you are offered.
One login. One supplier.
Brokers who understand how ministers are paid.
Join the waitlist and we'll tell you the moment introductions open.