-
- Rates from 4.59%
- Up to 75% LTV
- HMOs up to 20 bedrooms and MUFBs with up to 10 units accepted
-
- Minimum loan from £50,000
- No maximum loan amount
- £75,000 minimum property value
And there’s more… take a look at our online criteria guide here.
Acceptable credit profile
| CCJs | Defaults | Secured arrears | Unsecured arrears |
|---|---|---|---|
| 0 in 36* | 0 in 36* | 0 in 12 | Not counted** |
*These are acceptable where one of the following applies:
- Where all CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
- Where all CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
- Where the CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application
**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.
Exclusions
The following exclusions apply:
- No income supported buy to lets
- No holiday lets
Physical valuations
A physical valuation will be sourced from Connells via the standard process.
Connells has issued prescriptive guidance to follow around inspection protocols, which you can find here.
If this guidance isn't adhered to (e.g., the property is occupied or doors have been left closed), the surveyor may not go ahead with the valuation but will still charge the valuation fee for the on-site visit.
- The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Terms and conditions
At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.
This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.
All mortgage products are subject to availability of funds and can be withdrawn at any time.
For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.
All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.
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) for general insurance intermediation and regulated mortgages.
Download the full mortgage terms and conditions.YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE
-
- Rates from 5.49%
- Up to 80% LTV
- HMOs up to 20 bedrooms and MUFBs with up to 10 units accepted
-
- Minimum loan from £50,000
- No maximum loan amount
- £75,000 minimum property value
And there’s more… take a look at our online criteria guide here.
Acceptable credit profile
| CCJs | Defaults | Secured arrears | Unsecured arrears |
|---|---|---|---|
| 0 in 36* | 0 in 36* | 0 in 12 | Not counted** |
*These are acceptable where one of the following applies:
- Where all CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application
- Where all CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration
- Where the CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application
**Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.
Exclusions
The following exclusions apply:
- No income supported buy to lets
- No holiday lets
Physical valuations
A physical valuation will be sourced from Connells via the standard process.
Connells has issued prescriptive guidance to follow around inspection protocols, which you can find here.
If this guidance isn't adhered to (e.g., the property is occupied or doors have been left closed), the surveyor may not go ahead with the valuation but will still charge the valuation fee for the on-site visit.
- The products and/or services featured above are not regulated by the Financial Conduct Authority and the Prudential Regulation Authority.
Terms and conditions
At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.
This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.
All mortgage products are subject to availability of funds and can be withdrawn at any time.
For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.
All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.
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) for general insurance intermediation and regulated mortgages.
YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE