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Buy to let
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    Our top highlights:
    
    Up to 80% LTV
    
    No maximum loan amount
    
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  - Buy to let product transfer
    
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    New mortgage products for existing customers
    
    Online submission available for some accounts
    
    No underwriting assessment required
    
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    Exclusions apply on use of funds
    
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  - Submitting product transfers
    
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Residential
- Products
  - Residential mortgage products
    
    Our top highlights:
    
    Up to 95% LTV
    
    No maximum property value
    
    No maximum loan on selected products
    
    View products
  - Residential product transfer
    
    Our top highlights:
    
    New mortgage products for existing customers
    
    Online submission available for some accounts
    
    No underwriting assessment required
    
    View products
  - Residential further advances
    
    Our top highlights:
    
    For existing customers requiring additional borrowing
    
    Exclusions apply on use of funds
    
    View products
- Criteria
  - Residential Criteria
    
    Adverse credit
    
    Applicant
    
    Fees
    
    Income
    
    Property
    
    Criteria
- Calculator
  - Residential calculator
- Literature
  - Residential app forms
    
    Residential app forms
    
    Mortgage application form
    
    Additional applicants application form
    
    Consents and declarations
    
    Direct debit mandate
    
    Buy to let property schedule
    
    View
  - Further advance app forms
    
    Further advance app forms
    
    Further advance AIP and application form
    
    View
  - Product transfer app forms
    
    Product transfer app forms
    
    Product transfer broker authorisation form
    
    View
  - Porting app form
    
    Porting app form
    
    Mortgage porting app form
    
    View
  - Downloads for solicitors
    
    Downloads for solicitors
    
    Solicitor instructions
    
    Solicitor registration form
    
    Certificate of title
    
    Consent and undertaking
    
    Mortgage deed
    
    Terms and conditions
    
    Deed of postponement
    
    View
  - Guides
    
    Guides
    
    Residential mortgage product guide
    
    Broker portal user guide
    
    Portfolio submission platform (BTL Hub) user guide
    
    View
  - Client reference sheets
    
    Client reference sheets
    
    Fees and charges
    
    View
- Placing business
  - Submitting new apps
    
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    Register
    
    Log in to the portal
    
    Produce an illustration
    
    Submit an AIP
    
    Submit your full application
    
    Completion
    
    Place case
  - Submitting further advances
    
    Submitting further advances
    
    Complete form
    
    Email
    
    Completion
    
    Place case
  - Submitting product transfers
    
    Submitting product transfers
    
    Use the correct online or paper process
    
    Submit a product transfer request
    
    Confirmation and completion
    
    Place case
  - Submitting porting apps
    
    Submitting porting apps
    
    Complete form
    
    Email
    
    Completion
    
    Place case
  - Request a transfer of equity
    
    Submitting transfer of equity
    
    Contact us
    
    Place case

Buy to let

Residential

Info

Insights and events

Updates

Insights

Market insights

Why it’s so important you tell us about your vulnerable customers?

Your clients may be considering the way they run their rental portfolio and exploring the option of managing it through a limited company for tax efficiency.

Know more

Market insights

Why it’s so important you tell us about your vulnerable customers?

Imagine you’re approached by a customer who’s looking for a residential mortgage. During your conversation, you find out that they’re partially sighted and have a little trouble reading the text on documents. Or you may discover they’ve recently separated from their long-term partner. You may even notice that they sound a little down or agitated.

Liza Campion | 22.05.2023

Worried your customer’s capability issues could make them vulnerable?

Many customers simply prefer doing their banking in-branch, with face-to-face services giving them the chance to talk to people. It also gives them the peace of mind and security of seeing transactions taking place and receiving a paper record to prove it.

Adrian Moloney | 22.05.2023

Is your customer’s health making them vulnerable?

It was only while I was working from home during the dark days of lockdown when I realised just how many delivery drivers and riders there are out on the roads.

Liza Campion | 22.05.2023

How unexpected life events can make even the strongest customers vulnerable?

As is so often the case however, appearances can be deceptive and sportspeople, just like the rest of us, can often find themselves in situations outside of their control.

Adrian Moloney | 22.05.2023

How a lack of emotional resilience could make your customer more vulnerable?

How many times have you read one of those romance scam stories about someone getting tricked out of their savings by someone they’ve met online and thought ‘How could anyone be fooled that easily’?

Liza Campion | 22.05.2023

Transferring a property into an SPV - what do you need to know?

Your clients may be considering the way they run their rental portfolio and exploring the option of managing it through a limited company for tax efficiency.

Adrian Moloney | 16.08.2022

Can you support your limited company landlords?

How to better support your clients in 2021 and beyond.

Alan Kimber | 01.10.2021

How specialist lenders can help limited company landlords in a changing buy to let market

It’s hardy surprisingly that the pandemic has had a major impact on the rental market over the past 12 months or so – as the number of cases of coronavirus went up, the number of rental properties sold went down. The same can be said for the number of landlords selling properties too.

Adrian Moloney | 19.07.2021

Three things to consider for your next shared ownership case

With the nation being forced to spend the most part of last year indoors, the dream of becoming a homeowner and having your own space remains a priority for many aspiring first-time buyers.

Adrian Moloney | 22.04.2021

Do shared ownership applications involve more work for brokers?

Is shared ownership more complicated for brokers to take on? Does it involve a lot more paperwork? Is it harder to secure a mortgage? We take a look.

Adrian Moloney | 10.12.2020

Do you know which lender to turn to for your first-time buyers?

Finding the right lender for your specialist shared ownership cases is crucial in the current climate, we take a look at why Kent Reliance for Intermediaries could be the best option for your clients.

Adrian Moloney | 08.12.2020

What are the advantages of shared ownership for your clients?

In the second article of our shared ownership series, we answer some questions exploring the differences between Help to Buy and shared ownership and the pitfalls to be aware of.

Adrian Moloney | 03.12.2020

How does the stamp duty holiday affect shared ownership?

Shared ownership is becoming an increasingly popular option for those looking to buy their first home, but there are many misconceptions and myths surrounding it. We attempt to dispel some of them with a series of six articles exploring different aspects of shared ownership, starting with stamp duty.

Adrian Moloney | 30.11.2020

Six reasons to have us on your limited company list

Read more about why you should put Kent Reliance for Intermediaries top of your list for limited company loans.

Adrian Moloney | 21.10.2020

Top tips for forming successful professional support networks

As professional networks become increasingly important for brokers, obtaining appropriate guidance is now more vital than ever. We examine how this has changed with the evolving landscape.

Adrian Moloney | 22.09.2020

The importance of professional relationships – Q&A

Adrian Moloney, Group Sales Director at OneSavings Bank, sat down for a chat with Greg Cunnington, Director of Lending Relationships and New Homes, Alexander Hall, to discuss how strong professional relationships can benefit your business and the services you provide.

Adrian Moloney | 14.09.2020