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We offer residential mortgages for specialist cases and also for the self-employed to either buy a first home, move to a new one or simply find a better deal.

*New Criteria*

  • Contractors accepted up to Max LTV 85%. No minimum income required.
  • Kent Reliance is able to consider residential mortgage applications from self-employed applicants who have been trading a minimum of 12 months, subject to Lending Criteria.

Prime Criteria

CCJs 0 in the last 36 months*
Defaults  0 in the last 36 months*
Missed Mortgage/ Secured Loan Payments  0 in the last 12 months and currently up to date
Unsecured Arrears  0 in the last 12 months and currently up to date 
Maximum Status Must be currently up to date. Maximum 2 down in last 24 months
Debt Management Plan Not acceptable. 
IVA/ DRO/ Bankruptcy  Not acceptable. 
Repossession Not acceptable. 
Max Plan LTV 90%

*Must be satisfied prior to mortgage application. Ignore if: <£300 in total and satisfied 

Product detail - Up to £500,000

LTV Mortgage type Term Initial rate Product fee Early repayment charge* Product code
85% Discounted Variable21 2 3.44% 0.50% No ERCs 01302 KRES1801
85% Fixed 2 3.39% 0.50% 3% in years one and two 01303 KRES1801
85% Fixed 5 3.79% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five  01304 KRES18F5
90% Discounted Variable22 2 4.04% 0.50% No ERCs 01305 KRES1801
90% Fixed 2 3.99% 0.50% 3% in years one and two 01306 KRES1801
90% Fixed 5 4.39% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01307 KRES18F5
212.89% | 222.29%

Minimum Loan £50,000. Subject to eligibility please view Prime Criteria table. Minimum property value of £75,000 is applicable. When the LTV exceeds 75% a minimum loan of £100,000 is applicable.

Subject to eligibility please view Prime on the Lending Criteria page. 

The Standard variable rate (the revert rate) is 6.33%.

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 This is to cover assessing and processing the application (even if the application is unsuccessful or is withdrawn).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All of our products are subject to availability and may be withdrawn at any time.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 for Capital repayment, Part Capital and Part-Interest Only. Please note: Asset Backed Interest Only is not available for loans under £500,000 or Near Prime products. 
  • 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 Mortgage Illustration.
  • 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 portable. Even if your client moves home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of their existing mortgage) of that special deal can be transferred to their new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that your client borrows.
  • All mortgage products are subject to availability of funds and can be withdrawn at any time.
  • ERC percentage based on the remaining capital balance. 

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 18 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

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

Product detail - Over £500,000 Including Asset backed interest only

See acceptable repayment strategies

LTV Mortgage type Term Initial rate Product fee Early repayment charge* Product code
75% Discounted Variable23 2 3.44% 0.50% No ERCs 01308 KRES1801
75% Fixed 2 3.39% 0.50% 3% in years one and two 01309 KRES1801
75% Fixed 5 3.79% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01310 KRES18F5
85% Discounted Variable24 2 3.94% 0.50% No ERCs 01311 KRES1801
85% Fixed 2 3.89% 0.50% 3% in years one and two 01312 KRES1801
85% Fixed 5 3.99% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01313 KRES18F5
90% Discounted Variable25 2 4.04% 0.50% No ERCs  01314 KRES1801
90% Fixed 2 3.99% 0.50% 3% in years one and two 01315 KRES1801
90% Fixed 5 4.39% 0.50% 5% in year one, 4% in year two and 3% in years three, four and five 01316 KRES18F5
232.89% | 242.39%| 252.29%


Minimum Loan £500,000 to £3,000,000 subject to eligibility please view Prime Criteria table. Asset Backed Interest Only not available at 90% LTV.


Subject to eligibility please view Prime on the Lending Criteria page.

The Standard variable rate (the revert rate) is 6.33%.

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 of 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 only available on an interest-only basis.
  • 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 Mortgage Illustration.
  • The minimum mortgage term is 5 years and the maximum is 35 years.
  • The maximum loan size is £3m.
  • A maximum LTV 75% applies for interest-only loans on leasehold properties with an unexpired term of less than 85 years at application.
  • 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 portable. Even if your client moves home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of their existing mortgage) of that special deal can be transferred to their new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that your client borrows.
  • All mortgage products are subject to availability of funds and can be withdrawn at any time.
  • ERC percentage based on the remaining capital balance. 

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 18 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

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE




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