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Product Finder

About us

At Kent Reliance, we pride ourselves on being a specialist lender. We use our resources, market knowledge, expertise and relationships to focus on niche areas of the market that may not fit the appetite of mainstream lenders.

We have products available that could assist your clients in a wide range of scenarios. Click on the links below to find out more.

About our business

We’re a specialist lender, with criteria that could help us say ‘yes’ to the complex cases that some high street lenders may turn away.

Having won awards for our products and highly experienced development team, you know you’re in good hands with Kent Reliance.

We may be able to help more than your everyday bank when it comes to the following scenarios:

Buy to let

We take a leading position in the buy to let market, where our expertise and flexibility are highly sought after. Far from a one-size-fits-all lender, our flexible approach allows us to consider larger or more complex loans, with each case individually assessed to ensure that your requirements are fulfilled.

Whether that’s for a first-time or portfolio landlord, limited company lending, HMOs or LLPs, we have the resources to turn the boldest investment ambitions into a reality.

Key features

  • Up to 85% LTV
  • First-time landlords welcome up to 80% LTV
  • Portfolio landlords accepted – no upper limit on portfolio size
  • Multiple units on one freehold accepted
  • Non-trading SPVs and limited companies accepted
  • First-time landlord accepted for HMOs up to eight bedrooms
  • Loans up to £3m (loans >£1m available up to 80% LTV)
  • Minimum age 25, maximum age 85
  • New-build houses and flats accepted
  • Day one remortgages accepted

Take a closer look at our buy to let products

Residential

We understand that no two customers are the same, each with different requirements. So, we take each case on its own merit and manually underwrite everything.

Our residential range includes prime, near prime and shared ownership options, meaning we can help you to complete a case when a number of other providers can’t.

In addition, our interest-only products are perfect for those with sufficient background assets or equity that can be used to repay future capital.

Key features

  • Near prime options with no value limits on CCJs, arrears or defaults
  • Contractors accepted with no minimum income requirement
  • Self-employed customers accepted having traded for one year
  • Up to three applicants’ income accepted for affordability
  • Interest-only residential products available
  • Guarantors considered
  • Day one remortgages accepted

Take a closer look at our residential products

 

Distribution partners

We lend exclusively through a closed network to protect our customers. Below are all of the networks, clubs and packagers that we currently work with.

Group introducer agreement

Read our broker terms of business

Our partner networks

FYB Networks
Mortgage Intelligence
Mortgage Next
Openwork
Positive Solutions
Sesame
Tenet
Primis Mortgage Network
Quilter

Our partner clubs

3mc
Dynamo for Intermediaries
Legal & General
Next Intelligence Mortgage Club
Paradigm Mortgage Services
Trust PMS
Simplybiz Mortgages
TMA Mortgage Club
Mortgage Compliance & Insurance Club
Brilliant Solutions

Our partner packagers

Impact Specialist Finance
Brightstar
Complete
Mortgages for Business
Connect for Intermediaries
Dynamo
3mc

FYB Networks
Mortgage Intelligence
Mortgage Next
Openwork
Positive Solutions
Sesame
Tenet
Primis Mortgage Network
Quilter

3mc
Dynamo for Intermediaries
Legal & General
Next Intelligence Mortgage Club
Paradigm Mortgage Services
Trust PMS
Simplybiz Mortgages
TMA Mortgage Club
Mortgage Compliance & Insurance Club
Brilliant Solutions

Impact Specialist Finance
Brightstar
Complete
Mortgages for Business
Connect for Intermediaries
Dynamo
3mc

Our awards

From members of our team to how we work together as a lender, we're often recognised for our work in the industry. We’re particularly proud of anything that was voted for by you, our brokers.

The Mortgage Strategy Awards 2019

Voted in part by the public we were awarded Best Buy-to-Let Lender.

The Mortgage Strategy Awards 2019

Voted in part by the public we were awarded Best Specialist Lender.

Moneyfacts Awards

We were awarded Best Specialist Mortgage Provider.

L&G Mortgage Club Awards 2019

British Specialist Lending Awards

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