The Specialist Lender

The Specialist Mortgage lender

A clearer focus on complex mortgage cases


Today, demand for specialist solutions to complex mortgages is growing. By now you'll know that we love to handle mortgages that mainstream lenders won't always consider. But what you might not know is how we go about that.

Every case that comes to us is individually underwritten, meaning we have people, not inflexible systems, deciding whether we can lend to your client. The result of this is that we're less likely to say no to your client just because it as a rare or difficult application. We'll look into their individual circumstances and decide based on that.

Making the most of every opportunity

We are experts in handling the whole range of Buy to Let case types. We’re dedicated to finding solutions for even the trickiest of cases.

Our Buy to Let offering

Limited Company mortgages
Limited company and SPV lending as standard
85% LTV
Offering 85% LTV lending on Buy to Let
No minimum income
No minimum income - affordability is based on rental cover only
Lending into retirement
Lending into retirement (maximum age at end of term, 85)
Maximum loan £3m
Maximum loan £3m (larger loans considered on referral) - and large portfolios accepted
HMO up to 8 rooms
HMO and student lets up to 8 rooms

Large loans, large portfolios and high group exposure - we have our own range of large loans for Buy to Let mortgages. We usually offer loans of up to £3m but are able to offer more on a case-by-case basis. We also offer group exposure of up to £3m.

HMO and student lets up to 8 rooms - because we take the time to look into each submitted case by hand, we are able to look into HMO mortgages for up to 8 rooms and take each application on its own merits.

Ex-pat Buy to Let Mortgages - for people currently working abroad, our ex-pat mortgages offer solutions to help your client purchase an investment property in London and the South-East while they are temporarily out of the United Kingdom.

Limited company and SPV lending as standard – unlike a number of mainstream lenders, we’re set up to offer Buy to Let mortgages to SPVs, limited companies and limited liability partnerships (LLPs) as standard - thanks to our bespoke underwriting. This is all provided the SPV is based in the UK and is limited to solely holding property, and not engaged in wider activities. View our limited company Buy to Let mortgages.

Complex Buy to Let Case Studies

Find out more about Kent Reliance

© 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.