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
- Standard buy to let mortgages (single dwellings)
- Buy to let specialist mortgages (HMOs, student lets, multi lets and multiple units on one freehold)
- Limited company buy to let mortgages
- Expat buy to let mortgages
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
Our partner clubs
Our partner packagers
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.
Voted in part by the public we were awarded Best Buy-to-Let Lender.
Voted in part by the public we were awarded Best Specialist Lender.
We were awarded Best Specialist Mortgage Provider.
