Buy to let

Specialist Buy to Let

The specialist Buy to Let mortgage range from Kent Reliance includes mortgages for limited companies, Houses in Multiple Occupation (HMO) mortgages and student lets.Your professional landlord clients are welcome to apply and, with each specialist loan individually underwritten by our expert team, we always work to ensure the most efficient application process possible for all involved.

  • Non-portfolio: rental cover and asset backed options available
  • Portfolio: affordability based on rental cover only
  • Professional landlords welcome
  • Is your client a portfolio landlord? You will need to use our Buy to Let Hub

Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable1 2 3.49% 1.5% No ERCs 01005 SBTL1702
65% Fixed 2 3.19% 1.5% 3% in years one and two 01006 SBTL1702
75% Discounted Variable2 2 3.69% 1.5% No ERCs 01009 SBTL1702
75% Fixed 2 3.39% 1.5% 3% in years one and two 01010 SBTL1702
75% Fixed 5 3.79% 2% 5% in year one, 4% in year two and 3% in years three, four and five 01012 SBTL17F5
80% Discounted Variable3 2 3.99% 1.5% No ERCs 01013 SBTL1702
80% Fixed 2 3.69% 1.5% 3% in years one and two 01014 SBTL1702
80% Fixed 5 4.39% 2% 5% in year one, 4% in year two and 3% in years three, four and five 01207 SBTL17F5
85% Discounted Variable4 2 4.89% 2.5% No ERCs 01017 SBTL1702
85% Fixed 2 4.59% 2.5% 3% in years one and two 01018 SBTL1702
85% Fixed 5 5.29% 2.5% 5% in year one, 4% in year two and 3% in years three, four and five 01208 SBTL17F5

13.34% |23.14% | 32.84% | 41.94%

Minimum loan £50,000. Maximum loan £750,000. When the LTV exceeds 75% a minimum loan of £100,000 applies. Loans over 80% LTV are not available for first time landlords. Multiple units under a single freehold subject to a minimum loan of £75,000. Minimum property value of £75,000 is applicable. 

The Buy to let variable rate is 6.83%.

Application fee £130 payable at time of application. This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn). Please note that applications will not be processed until this fee is received.

Valuation fees will also apply.

All our products are subject to availability and may be withdrawn at any time.

ERCs may be incurred for full redemption or repayment of capital.

Product terms and conditions

  • These products are available on repayment or interest-only terms.
  • At the end of any initial deal, the interest rate will revert to the BTL standard variable rate.
  • The BTL variable rate can vary in line with the general level of interest rates and economic conditions.
  • If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.
  • A list of our fees and charges accompanies all Offer Letters.
  • The minimum mortgage term is 5 years and the maximum is 35 years.
  • Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.
  • These mortgage products are not portable.
  • All mortgage products are subject to availability of funds and can be withdrawn at any time.
  • Consumer Buy to Let mortgages are regulated by the Mortgage Credit Directive Order 2015.
  • Buy to let loans are not regulated mortgages.

For interest-only or part repayment/part-interest only, it is your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 25 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages


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£1,700 Clear all

Calculated at 5% interest rate

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