Mortgage Product Transfer

The mortgage product transfer scheme allows you to transfer an existing Kent Reliance mortgage customer to a new mortgage deal when their current deal is coming to an end, or sooner if they request. A transfer requires no valuation or underwriting assessment.
View our range of transfer products

Buy to Let products

  • BTL Standard

    The full list of our BTL standard product transfer rates.

    Find out more
  • BTL Specialist

    The full list of our BTL specialist mortgage transfer rates.

    Find out more
  • BTL Ex-Pat

    The full list of our BTL ex-pat mortgage product transfer rates.

    Find out more

Residential products

  • Standard Residential

    The full list of our current standard residential mortgage product transfer rates.

    Find out more
  • Shared Ownership

    The full list of our current shared ownership mortgage product transfer rates.

    Find out more

How it works

To complete the product transfer, please follow the below steps: 

Step 1: Retrieve the customer Product Transfer information letter and view our products to see what’s available for your client.
The product transfer information letter is sent to the customer 3 months before the expiry of their current mortgage. You can also request this by calling 01634 835791. 

Step 2: Choose the product best suited to your customer’s needs and complete the broker authorisation form.
This form needs to be signed by both the assisting broker and the customer and then scanned and 
returned back to us. Please email it back to and we will reply within 5 
working days with the customer product transfer information.

Step 3: Check and confirm all details of the product transfer are correct
If it is, arrange for the customer to sign the offer acceptance form and return to

Step 4: Complete
In 5 working days, we will email you back with confirmation that the request has been processed and when the change will take effect.

You will receive your 0.3% procuration fee within 30 days of the product switch becoming effective.

Find a BDM

Find and contact your BDM

Call 01634 835791
Speak to a member of our Broker Liaison Team

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© OneSavings Bank plc 2018.
krbs, Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Registered in England and Wales (company number 7312896). Registered office: Reliance House, Sun Pier, Chatham, Kent, ME4 4ET. 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). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service.

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Calculated at 5% interest rate

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