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Register
If you’re not yet registered, find out how you can start submitting your cases with us.
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Log in to the portal
You can submit an application with us online. To begin, please log in to our online portal.
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Produce an ESIS Illustration
Select “Illustration” in the top navigation of our online portal and follow the instructions on the screen.
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Submit an Agreement in Principle (AIP)
Select “AIP” in the top navigation of our online portal and follow the instructions on the screen.
At the end, you'll be met with one of the following AIP decisions:
Decision Meaning Accept You can proceed to produce a ESIS Illustration and confirm your fees Refer Our underwriting team will review your case. Please check back within the next full working day Decline Unfortunately, we can't accept your agreement in principle -
Submit your full application
To avoid delays, use our checklist to make sure you've gathered all the information we need.
Your application can be submitted online. To start, log in to our online portal and select your case.
Once you have paid the application fees, please upload the required essential checklist items on the application summary screen to fully submit the application. In addition, there will be other checklist items that will need to be uploaded but these can be uploaded after the application has been submitted.
Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.
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Completion
Once you've checked that you and the applicants are happy with the offer, please check our online portal to see when your case has completed.
Please note that for any limited company application, a member of our limited company solicitor panel must be instructed by yourself or the applicant.
You'll be provided with their estimated fees (in accordance with our fee scale – either dual representation or sole representation).
Please note that the earlier this is carried out, the quicker the conveyancing process is likely to be. This is because your selected solicitor will be able to commence the initial checks prior to your offer being issued.
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Register
To place a case for a portfolio landlord, you'll need access to the Kent Reliance online portal and the buy to let hub.
If you're not yet registered with either of these, you can find out how to do so on our Register page.
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Log in to the Kent Reliance online portal
You can submit an application with us online. To begin, please log in to our online portal. All you need is your username and password.
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Produce a Key Facts Illustration
Select “Illustration” in the top navigation of our online portal and follow the instructions on screen.
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Submit an Agreement in Principle (AIP)
Select “AIP” in the top navigation of our online portal and follow the instructions on screen.
At the end, you'll be met with one of the following AIP decisions:
Decision Meaning Accept You can proceed to produce a KFI and confirm your fees Refer Our underwriting team will review your case. Please check back within the next full working day Decline Unfortunately, we can't accept your agreement in principle -
Submit your full application
To avoid delays, use our checklist to make sure you've gathered all the information we need.
Your application can be submitted fully online. To start, log in to our online portal and select your case.
Upload the required evidence as described on screen. Please ensure you click “Checklist” on the screen to see all of the requirements.
N.B. please ensure you attach your documents to the checklist items to ensure easier tracking of your case.
Submit additional information on the Buy to Let Hub if your applicant is a portfolio landlord
Please note, if your applicant has four or more mortgaged buy to let properties already or has three mortgaged buy to lets and is buying their forth, you must submit the required information through the Buy to Let Hub to ensure your case can be underwritten. We can't begin the underwriting process until all the information has been submitted.
N.B. if your client’s full portfolio is mortgaged through a OneSavings Bank brand, there is no need to submit information through the Buy to Let Hub.
If you haven’t used the Buy to Let Hub before, try our user guide.
Download Buy to Let Hub user guide
Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.
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Completion
Once you've checked that you and the applicants are happy with the offer, you need to check our online portal to see when your case has completed.
Please note that for any limited company application, a member of our limited company solicitor panel must be instructed by yourself or the applicant.
You'll be provided with their estimated fees (in accordance with our fee scale - either dual representation or sole representation).
Please note that the earlier this is carried out, the quicker the conveyancing process is likely to be. This is because your selected solicitor will be able to commence the initial checks prior to your offer being issued.
HMOs and MUFBs from 7-10 bedrooms/units. The Bank will require sight that there is appropriate planning in place (Sui Generis) and will be needed by the surveyor.
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Agreement in Principle
Download and complete the further advance AIP and application form and email it to furtheradvance@krbs.com.
This form provides us with:
- The authority to speak to you on your client’s behalf
- The information to generate a Mortgage Illustration for your client
- Your client's consent to run an Agreement in Principle
Has there been any substantial alterations or structural changes to the property since the original first charge was registered?
Please provide any documents relating to any alterations to the property since the first charge alterations, including but not limited to:
- Planning permissions
- Building regulation approvals
- HMO licences
- Any other relevant consents.
Are there any subsequent charges registered after Kent Reliance’s first charge?
Please provide us with any information about additional charge holders on the existing mortgage. To complete the process, the Bank will need to contact them so our Deed of Postponement can be completed to ensure their charge ranks behind the Bank’s First Charge and Further Advance in priority.
You should have a response to the Agreement in Principle within 48 hours.
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Confirm full application
Once your client’s enquiry has been agreed and we have advised you of the outstanding documents, please arrange for the client to call us on 01634 835791 to pay the fees. Once the fees have been paid and you have emailed the outstanding documents to furtheradvance@krbs.com we will then underwrite the application.
Please note we're unable to underwrite your case until we have receipt of the administration and valuation fees.
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Completion
Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.
Once you've checked that you and the applicants are happy with the offer please arrange for the applicants to sign and return the Acceptance of Offer – Applicant(s) form, to us so that we can proceed with the completion.
For limited company applications, the guarantor(s) will also need to sign and return the guarantor(s) acceptance of extended guarantor obligations form, to us so that we can proceed with the completion.
For individual applications, there is a 7 day cooling-off period. For limited company applications, there is a 14 day cooling-off period. If the applicant(s) wish to waive this period, we will require confirmation in writing.
How do I submit a product transfer request?
This is determined by your client’s account number which can be found on their product transfer invitation letter, via either a portal or postal application, select the button below which is applicable:
08 Account Numbers
This section and the timescales indicated are only applicable to Mortgage Choices requests. Other requests, including requests for multiple changes, may take longer. We will confirm timescales for processing these requests by separate cover.
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Complete a Product Transfer application
Step 1If you are submitting via a mortgage club log in to our online portal.Step 2Login and select “product transfers” from the options available then follow the instructions on screen to complete the product transfer request.OR
Step 1 View our product selection to see what’s available via our Product Transfer pages.Step 2Download and complete the Broker Authorisation Form and ensure its signed by all borrower(s).Step 3Return the Broker Authorisation Form by scanning and emailing it to brokertransfers@osb.co.uk. Please retain the original for your records.- We have introduced the ability to provide our Mortgage Choices Offer and Acceptance of Offer Form digitally via DocuSign.
- To opt to use this service; you will need to provide unique email address(es) and mobile phone number(s) for each borrower within the Broker Authorisation form.
- If unique email address(es) and mobile number(s) are not provided, then the documents will be sent in the post to the borrower(s). We will send your copies by email.
- The email address(es) and mobile number(s) collected will only be used for the purposes of sending Mortgage Choices Offers via DocuSign. If you or the borrower(s) wish for your contact details to be updated, please contact us separately.
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Issue Mortgage Choices Offer
Once we have checked and verified the information, we will issue the Mortgage Choices Offer including an Acceptance of Offer Form.
We will aim to do this within 7-10 working days of receiving your Broker Authorisation form.
Where an application is placed via the portal, you will be unable to receive your copy of the Mortgage Choices Offer via DocuSign.
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Return an Acceptance of Offer form
To accept the Mortgage Choices Offer all borrower(s) will need to review, sign and date the Acceptance of Offer Form.
Where you have chosen to use DocuSign:- You will receive your electronic copies of the Mortgage Choices Offer and Acceptance of Offer Form via email from DocuSign.
- To access this document, you need to confirm your identity using your mobile, DocuSign will issue a verification code via SMS which will allow the documents to be opened.
- Please review the Mortgage Choices Offer carefully to ensure it is accurate.
- Once you are happy with the Mortgage Choices Offer, you will need to tick the checkbox on the Acceptance of Offer form within DocuSign. This will release the documents to the borrower(s) so that they can digitally sign and return the Acceptance of Offer to us.
- You should only do this once you are happy that the Mortgage Choices Offer is accurate and have met with any obligation you may have to the borrower(s) such as discussing the offer with them.
Where you have chosen not to use DocuSign:- We will send copies of the Mortgage Choices Offer and the Offer Acceptance Form to you by:
- Where submitted by portal – your Mortgage Choices Offer will be available via the online portal. Your borrower(s) will be sent their copies by post.
- Where submitted by email – your Mortgage Choices Offer will be sent to you via email. Your borrower(s) will be sent their copies by post.
- Please review the Mortgage Choices Offer carefully to ensure it is accurate.
- Once you have met with any obligation you may have to the borrower(s) such as discussing the offer with them; you will need to arrange for all borrower(s) to sign and date the Acceptance of Offer form.
- This should then be returned to us by email to brokertransfers@osb.co.uk.
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Product Transfer Completion
- Once the product transfer has been completed, we will send confirmation to the customer within 7-10 working days of completion.
- We will send any procuration fee to you within 30 days of completion, via your chosen payment method.
IMPORTANT
If you are applying for a product transfer to coincide with the expiry of an existing product, then you will need to ensure the Acceptance of Offer Form is returned to us at least 5 working days before the end of the month when the existing product expires. This will allow us time to process the product transfer before the expiry date.
If we do not receive the completed Acceptance of Offer Form within the above timescale, the customer’s mortgage will revert to the interest rate which was confirmed in their original Mortgage Offer.
If you are applying for a product transfer which does not coincide with the expiry of an existing product (i.e. because the existing product has already expired or the existing product is not due to expire within the next 3 months) then you need to ensure that the Acceptance of Offer Form is returned to us at least 5 working days before the end of the month to be effective from the 1st day of the following month.
If you apply for a product transfer more than 3 months before the expiry of an existing product then early repayment charges may be payable.
70000000 Account Numbers
This section and the timescales indicated are only applicable to Mortgage Choices requests. Other requests, including requests for multiple changes, may take longer. We will confirm timescales for processing these requests by separate cover.
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Complete a Product Transfer application
Step 1 View our product selection to see what’s available via our Product Transfer pages.Step 2Download and complete the Broker Authorisation Form and ensure its signed by all borrower(s).Step 3Return the Broker Authorisation Form by scanning and emailing it to brokertransfers@osb.co.uk. Please retain the original for your records.- We have introduced the ability to provide our Mortgage Choices Offer and Acceptance of Offer Form digitally via DocuSign.
- To opt to use this service; you will need to provide unique email address(es) and mobile phone number(s) for each borrower within the Broker Authorisation form.
- If unique email address(es) and mobile number(s) are not provided, then the documents will be sent in the post to the borrower(s). We will send your copies by email.
- The email address(es) and mobile number(s) collected will only be used for the purposes of sending Mortgage Choices Offers via DocuSign. If you or the borrower(s) wish for your contact details to be updated, please contact us separately.
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Issue Mortgage Choices Offer
Once we have checked and verified the information, we will issue the Mortgage Choices Offer including an Acceptance of Offer Form.
We will aim to do this within 7-10 working days of receiving your Broker Authorisation form.
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Return an Acceptance of Offer form
To accept the Mortgage Choices Offer all borrower(s) will need to review, sign and date the Acceptance of Offer Form.
Where you have chosen to use DocuSign:- You will receive your electronic copies of the Mortgage Choices Offer and Acceptance of Offer Form via email from DocuSign.
- To access this document, you need to confirm your identity using your mobile, DocuSign will issue a verification code via SMS which will allow the documents to be opened.
- Please review the Mortgage Choices Offer carefully to ensure it is accurate.
- Once you are happy with the Mortgage Choices Offer, you will need to tick the checkbox on the Acceptance of Offer form within DocuSign. This will release the documents to the borrower(s) so that they can digitally sign and return the Acceptance of Offer to us.
- You should only do this once you are happy that the Mortgage Choices Offer is accurate and have met with any obligation you may have to the borrower(s) such as discussing the offer with them.
Where you have chosen not to use DocuSign:- We will send your copies of the Mortgage Choices Offer and the Offer Acceptance Form to you by email.
- The borrower(s) copies will be sent by post.
- Please review the Mortgage Choices Offer carefully to ensure it is accurate.
- Once you have met with any obligation you may have to the borrower(s) such as discussing the offer with them; you will need to arrange for all borrower(s) to sign and date the Acceptance of Offer form.
- This should then be returned to us by email to brokertransfers@osb.co.uk.
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Product Transfer Completion
- Once the product transfer has been completed, we will send confirmation to the customer within 7-10 working days of completion.
- We will send any procuration fee to you within 30 days of completion, via your chosen payment method.
IMPORTANT
If you are applying for a product transfer to coincide with the expiry of an existing product, then you will need to ensure the Acceptance of Offer Form is returned to us at least 5 working days before the end of the month when the existing product expires. This will allow us time to process the product transfer before the expiry date.
If we do not receive the completed Acceptance of Offer Form within the above timescale, the customer’s mortgage will revert to the interest rate which was confirmed in their original Mortgage Offer.
If you are applying for a product transfer which does not coincide with the expiry of an existing product (i.e. because the existing product has already expired or the existing product is not due to expire within the next 3 months) then you need to ensure that the Acceptance of Offer Form is returned to us at least 5 working days before the end of the month to be effective from the 1st day of the following month.
If you apply for a product transfer more than 3 months before the expiry of an existing product then early repayment charges may be payable.
If your client's circumstances change and they want to add or remove a borrower from the property title or transfer ownership of a property, our mortgage operations team is on hand to help.
You can contact the team on 0345 122 0033.
The following process assumes that the directors of the limited company are the same as the named individuals on the existing mortgage. If this isn't the case, please follow the process for a new buy to let application.
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Eligibility
Before proceeding, please ensure your client is eligible to transfer to an SPV.
The Conditions:
- No arrears in the last 12 months.
- The new limited company or LLP can't contain any directors, shareholders or partners who weren't individual parties to the original loan. A new application must be submitted when more directors have been added since the original mortgage.
- A director’s loan or gifted equity letter is required to cover the difference between the loan amount and the value of the property.
- Any capital gains or stamp duty tax payable on the transaction must be met by the landlord.
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Gather required details and forms
Step 1Complete the broker authorisation form – and ensure it's signed by both you and your client.Step 2Please gather the following information about your client’s application:- Details of the mortgage account(s) that they want to include in their legal transfer request.
- Details of the client’s limited company:
- Company name
- Registered address
- Registration number
- Date it commenced trading
- Director and shareholder details (including the percentage of business owned by each shareholder).
- Whether the client would like a further advance to cover stamp duty, capital gains tax and legal costs. All amounts must be clarified in writing by the acting solicitor
- A copy of their existing assured short hold tenancy for the property
- Contact details of their instructed solicitors.
Step 3Gather a completed direct debit form for the limited company and a cheque payable to Kent Reliance to cover our administration fee (this is payable for each account). -
Contact our team
Once you've gathered all of the information we require, please email us at lending.team@krbs.com
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Completion
Our lending team will let you know when the transfer will be applied. You will receive a proc fee of 0.30% 30 days of the product switch becoming effective.
