Buy to let

Residential

  • Products
    • Prime

      • Prime 

        For clients with a clear credit history

        Contractors considered

        Self-employed applicants considered

        Large loans

        Loans of £500k plus

        Asset-backed interest-only options available

        View products
    • Near prime

      • Near prime

        No value limits on CCJs, arrears or defaults

        Debt management plans satisfactory for 12+ months

        Contractors and self-employed considered

        View products
    • Shared ownership

      • Shared ownership residential

        Part own/part rent mortgages

        Up to 100% maximum share value

        Housing association must permit 100% staircasing

        View products
    • Product transfer

      • Product transfer

        New mortgage products for existing customers

        Online submission available for some accounts

        No underwriting assessment required

        View products
    • Further advances

      • Further advances

        For existing customers requiring larger loans

        Term must not exceed that of the original mortgage

        Exclusions apply on use of funds

        View products
  • Criteria
    • The applicant

      • The applicant

        Prime criteria

        Near prime criteria

        Shared ownership criteria

        Employed and self-employed criteria

        Contractors criteria

        View criteria

    • The income

      • The Income

        Self-employed income

        Overtime

        Commission

        Limited company income

        Rental income

        Secondary incomes

        View criteria

    • The loan

      • The loan

        Loan purpose

        Minimum and maximum loans

        Source of deposits

        Remortgages

        Further advances

        Interest only

        View criteria

    • The property

      • The property

        Flats

        New builds, newly converted properties and renovations

        Self-build

        Shared ownership

        View criteria

    • Fees and charges

      • The fees and charges

        Application and product fees

        Standard valuation fees

        Mortgage payments (direct debit)

        View criteria

  • Calculator

    • Residential calculator

      Calculate your client’s maximum loan

      For guide purposes only

      View
  • 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

    • 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

        Product guide

        Further advance guide

        Broker portal user guide

        Portfolio submission platform (BTL Hub) user guide

        View

    • Client reference sheets

      • Client reference sheets

        Fees and charges

        View

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About us

Specialist mortgage cases are our bricks and mortar.

With our market knowledge, diagnostic approach and ability to give dependable decisions, we’re able to offer solutions where other lenders may struggle. That’s why we’re good with odd.

Whether it’s a residential remortgage, or a professional landlord managing an extensive buy to let portfolio, discover how we could support you and your landlords.

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Supporting your odd cases

Low-income buy to let clients, first-time buyers with CCJs, or something totally unexpected – the more odd a case is, the more we like it.

With our national BDM team and our ability to individually assess each case, we’re ready to tackle a range of odd cases.

Here’s how we could help:

  • Prime and near prime residential mortgages
  • HMO and student lets
  • Limited company and SPV mortgages
  • Expat buy to let
  • Shared ownership mortgages
  • Lending into retirement

£0bn

Total 2019 loan amounts

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Brokers placed business in 2019

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Brokers engaged with us at events

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Our products

Buy to let

The buy to let market can be challenging, but we’re always on hand to support and make things easier for our brokers.

We take a leading position in the buy to let market, and our diverse range of products is designed to support property investors. Whether they’re first-timers or experienced landlords with extensive property portfolios, we have the criteria to support your landlords.

Take a closer look at our range of buy to let products:

Standard buy to let mortgages
Specialist buy to let mortgages
Limited company buy to let mortgages
Expat buy to let mortgages
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Take a closer look at our range of residential products:

Prime standard mortgages
Near prime mortgages
Shared ownership mortgages

Residential

Buying a home is becoming increasing complex. With our residential criteria and experienced team, we could help you tackle range of demanding cases.

Our residential range includes prime, near prime and shared ownership options, meaning we can help where other lenders may struggle. Self-employed applicants, shared ownership cases, first-time buyer – these are just some of the ways we could support your landlords.

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Distribution partners

We lend exclusively through a closed network. Below you’ll find a complete list of the networks, clubs and packagers that we currently work with.

Group introducer agreement

Read our broker terms of business

FYB Networks
Lighthouse Advisory Services
Mortgage Intelligence
Mortgage Next
Openwork
Positive Solutions
Sesame
Tenet
Primis
Quilter
3mc
Dynamo for Intermediaries
Legal & General
Next Intelligence
Paradigm
PMS
Simplybiz Mortgages
TMA
mciclub
Brilliant Solutions
Impact Specialist Finance
Brightstar
Complete
Mortgages for Business
Connect for Intermediaries
Dynamo
3mc
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Awards

We’re proud to be recognised as an award-winning specialist buy to let lender in our industry.

Take a look at some of our latest awards that prove why we’re good with odd:

The Mortgage Strategy Awards

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

The Mortgage Strategy Awards

We were awarded Best Specialist Mortgage Provider.

Moneyfacts Awards

We were awarded Best Specialist Mortgage Provider.

L&G Mortgage Club Awards 2019

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

British Specialist Lending Awards

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

© OneSavings Bank plc 2020.

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.

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