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EMCD guidance video
  • EMCD is here... 

    The 2016 European Mortgage Credit Directive came into effect in March.

    To help you understand the changes we've put together a video highlighting the key points.
  • What's new?

    KFI Plus
    European Standardised Information Sheet
    Binding offers and reflection periods
    Assessment of foreign currency loans
  • Key questions

    When does EMCD come into effect?
    How will it affect customers?
    How will mortgage offers change?

    Check out our EMCD FAQs

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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.