Product Finder

Placing Business

From submitting an application for a portfolio landlord to transferring properties from a personal name to a limited company, find out how to submit your cases here. Simply select an option from the dropdown below.

  • Register

    If you’re not yet registered, find out how you can start submitting your cases with us.

    Register

  • Log in to the 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.

  • Select your journey

    Please select the correct journey for the following case types:

    Case type Journey
    Standard buy to let Residential
    Specialist buy to let Specialist buy to let
    Limited company Specialist buy to let
  • Produce a Key Facts Illustration

    Select “Illustration” in the top navigation of our online portal and follow the instructions on the screen.

  • 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 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.

    Download checklist

    Your application can be submitted online. To start, log in to our online portal and select your case.

    Upload the required evidence as described on the screen. Please ensure you click “Checklist” to see all of the requirements. N.B. please ensure you attach your documents to the checklist items so that your case it easier to track.

    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.

  • 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 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.

  • Register

    To place a case for a portfolio landlord, you'll need access to the Kent Reliance online portal and our 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.

    Register

  • 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.

  • Select your journey

    Please select the correct journey for the following case types:

    Case type Journey
    Standard buy to let Standard buy to let
    Specialist buy to let Specialist buy to let
    Limited company Specialist buy to let
  • Produce a Key Facts Illustration

    Select “Illustration” in the top navigation of our online portal and follow the instructions on screen.

  • 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.

    Download checklist

    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 our 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 our 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.

  • 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.

  • Agreement in Principle

    Download and complete the further advance AIP & 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 alternations 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.

  • Confirm full application

    Once your client’s enquiry has been agreed, email the completed further advance AIP & application form and email it to us at furtheradvance@krbs.com together with all information requested at the Agreement In Principle stage.

    Please note we're unable to underwrite your case until we have receipt of the administration fee.

  • 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 one copy of the offer, to us so that we can proceed with the completion.  

Do I use the online or paper process?

The process you need to follow depends on your customer's account number:

Online portal (0800 account numbers)

  • Go to choices portal

    Step 1 Log in to our online portal.
    Step 2 Select “product transfers” from the options available.
    Step 3 Select whether you're placing a new product transfer request, and log in using your client’s mortgage details.
    Step 4 Follow the instructions on screen to complete the product transfer request.
  • Completion

    We'll email you with confirmation that the request has been processed and when the change will take effect.

    You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.

Paper-based proces (7000 account numbers)

  • Complete authorisation form

    Step 1 Retrieve the customer product transfer information letter and view our products to see what’s available for your client.
    Step 2 Download and complete the product transfer broker authorisation form and ensure it’s signed by you and your client.
    Step 3 Email the completed form and your product selection to brokertransfers@krbs.com
  • Confirmation (within five working days)

    Step 1 We'll reply within five working days with the customer product transfer information. Please review this and ensure it's what your client requires.
    Step 2 Arrange for the customer to sign the offer acceptance form and return to brokertransfers@krbs.com
  • Completion

    In five working days, we'll email you with confirmation that the request has been processed and when the change will take effect.

    You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.

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.

  • 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.
    • A new product must be picked from our existing specialist buy to let range. Applicants currently on a fixed-rate mortgage will have to choose another fixed-rate product. If they're currently on a discounted variable rate mortgage, then the full range is available for them to choose from. The product fee will be offered at a 50% reduction of that shown on our product range.
    • Any capital gains or stamp duty tax payable on the transaction must be met by the landlord.
  • Gather required details and forms

    Step 1 Complete the broker authorisation form – and ensure it's signed by both you and your client.
    Step 2 Please 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
    • Confirmation of which specialist buy to let product your client would like
    • A copy of their existing assured short hold tenancy for the property
    • Contact details of their instructed solicitors.
    Step 3 Gather 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

  • Completion

    Our lending team will let you know when the transfer will be applied. You will receive a proc fee of 0.25% 30 days of the product switch becoming effective.

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