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Standard Buy to Let

Standard Buy to Let mortgages from Kent Reliance offer your private and professional landlord clients the opportunity to begin or expand their Buy to Let portfolio with standard flats or houses. Loans are available with 65%, 75%, 80% and 85%* LTV and each is individually underwritten by our expert team.

Affordability for our standard BTL mortgages is calculated at rental cover only, with terms up to 5 years for our fixed Buy to Let mortgage products.

Far from a one-size-fits all Buy to Let lender, we always take care to work with you, making the application process as straightforward and efficient as possible.

Is your client a portfolio landlord?

You will need to use our Buy to Let Hub. Find out more.

rental cover and income backed
Professional landlords welcome
Up to 85% LTV
Min age 25; Max age 85

Product detail

LTV Mortgage type Term Initial rate Product fee Early repayment charge Product code
65% Discounted Variable1 2 3.84% 1.5% No ERCs 00671 KBTL1605
65% Fixed 2 3.79% 1.5% 4% in year one, 3% in year two 00672 KBTL1605
75% Discounted Variable2 2 4.04% 1.5% No ERCs 00616 KBTL1605
75% Fixed 2 3.99% 1.5% 4% in year one, 3% in year two 00617 KBTL1605
75% Fixed 3 4.19% 1.5% 4% in year one, 3% in years two and three 00618 KBTL1605
75% Fixed 5 3.79% 2% 5% in year one, 4% in year two and 3% in years three, four and five 00996 KBTL17F5
80% Discounted Variable3 2 4.54% 1.5% No ERCs 00620 KBTL1605
80% Fixed 2 4.49% 1.5% 4% in year one, 3% in year two 00621 KBTL1605
80% Fixed 3 4.59% 1.5% 4% in year one, 3% in years two and three 00622 KBTL1605
80% Fixed 5 4.39% 2% 5% in year one, 4% in year two and 3% in years three, four and five 01203 KBTL17F5
85% Discounted Variable4 2 5.24% 2.5% No ERCs 00497 KBTL1507
85% Fixed 2 5.19% 2.5% 4% in year one, 3% in year two 00498 KBTL1507
85% Fixed 3 5.29% 2.5% 4% in year one, 3% in years two and three 00499 KBTL1507
85% Fixed 5 5.29% 2.5% 5% in year one, 4% in year two and 3% in years three, four and five 01204 KBTL17F5

12.99% |22.79% | 32.29% | 41.59%

Minimum loan £50,000. Maximum loan £1,000,000. Minimum property value of £75,000 is applicable.
When the LTV exceeds 75% a minimum loan of £100,000 is applicable.

 Loans over 80% LTV are not available for first time landlords.

The Buy to let variable rate (the revert 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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