Buy to let

Specialist Large Loan

For clients looking to borrow between £750,000 and £3,000,000 this is our specialist large loan range designed to help private and professional landlords financing houses of multiple occupancy (HMOs) and student lets, or for limited companies (ie SPVs set up for portfolios). Please call your BDM who will be happy to discuss their needs and tailor a bespoke product for them.  

  • HMOs Student lets accepted
  • Limited company & LLP (ie SPVs set up for portfolios)
  • Is your client a portfolio landlord? You will need to use our Buy to Let Hub
Need help finding out if your case fits with Kent Reliance? Please contact your nearest Business Development Manager.
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Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable1 2 3.49% 1.25% No ERCs 01033 SBLL1702
65% Fixed 2 3.19% 1.25% 3% in years one and two 01034 SBLL1702
75% Discounted Variable2 2 3.69% 1.25% No ERCs 01037 SBLL1702
75% Fixed 2 3.39% 1.25% 3% in years one and two 01038 SBLL1702
75% Fixed 5 3.79% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01040 SBLL17F5
80% Discounted Variable3 2 3.99% 1.25% No ERCs 01041 SBLL1702
80% Fixed 2 3.69% 1.25% 3% in years one and two 01042 SBLL1702
80% Fixed 5 4.39% 1.75% 5% in year one, 4% in year two and 3% in years three, four and five 01214 SBLL17F5
13.34% | 23.14% | 32.84%

The Buy to let variable rate (the revert rate) is 6.83%.

Minimum loan £750,000. Maximum loan £3,000,000

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 This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn).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

All our products are subject to availability and may be withdrawn at any time.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 Standard variable rate.
  • The Standard 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 Key Facts Illustrations (KFI).
  • The minimum mortgage term is 5 years and the maximum is 35 years.
  • The maximum loan size is £3m.
  • 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.
  • 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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Calculated at 5% interest rate

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