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Criteria Guide

Search the online criteria guide and check whether a product is suitable for your clients.

Frequently viewed:

Acceptable proof of address

We aim to get electronic proof of identity, but if documentation is required, we accept the following:

  • Valid UK driving licence* - photocard (full or provisional) – if not used as proof of identity.
  • Current bank or mortgage statement or credit/debit card statement issued by a regulated sector firm in the UK – includes bank or building society savings book (not internet printed).
  • Current mortgage statement issued by a regulated financial sector firm in the UK - dated within the last 12 months.
  • Utility bill or landline telephone bill (not internet printed and the landline number must be the same as quoted on the application).
  • Council tax bill - dated within a year.
  • A positive voter’s roll result (please include the reference number or printed copy as evidence).

* In accordance with the DVLA regulations, you’ll need to check the expiry date of the photocard driving licence. If the photo has expired, we may not accept it as proof of address, and therefore, other items may be requested.

Acceptable proof of identity

We aim to get electronic proof of identity, but if documentation is required, we accept the following:

  • Valid UK passport.
  • Valid UK driving licence* – photocard (full or provisional).
  • Valid non-UK passport - valid right to remain or right to reside should be present in the passport.
  • HM Forces/police warrant card.

* In accordance with the DVLA regulations, you’ll need to check the expiry date of the photocard driving licence. If the photo has expired, we may not accept it as proof of identity, and therefore, other items may be requested.

Adverse credit

The following circumstances outline when we may consider your client (subject to a full underwrite):

County Court Judgements (CCJs) and Defaults

These are acceptable where one of the following applies:

  • All CCJs/defaults were registered more than three years ago and satisfied prior to mortgage application.
  • All CCJs/defaults were satisfied more than 12 months prior to application regardless of date of registration.
  • The CCJs/defaults in aggregate amount to less than £300, regardless of date of registration, and satisfied prior to mortgage application.

Debt

An explanation of the debt must be submitted with the application together with the evidence of satisfaction (if applicable).

Arrears

Mortgage or rent arrears in the last 12 months aren’t acceptable.

Individual Voluntary Agreement (IVA) / bankruptcy

These may be accepted at the underwriter’s discretion.

Any bankruptcies or IVAs must be clear for at least three years, with no residual debt, and there can be no repossession as part of the order. Additional documents may be requested.

Repossessions

We’re unable to consider an applicant that’s had a repossession at any stage.

Applicant key facts

Maximum number of applicants: four

Age limits: 18 - 79. Maximum age at end of term is 85.

Application and product fees

Application fee:

£145, payable at time of application.

Product fees:

Please see individual product pages.

Product switching fee:

£30, payable at time of product switch.

Buy to let SPV limited companies and limited liability partnerships LLPs

Limited companies

Accepted.

Must be non-trading and must be limited to solely holding property and not engaged in wider activities.

Personal guarantees for limited company buy to let lending are required from all directors of limited companies that are non-trading SPVs with up to four such individuals.

Existing Kent Reliance for Intermediaries borrowers may switch a buy to let asset from an individual name into a limited company or an LLP.

Newly formed companies are acceptable.

Non-UK based companies are not acceptable.

LLPs

Accepted.

Personal guarantees for 100% of the loan must be provided by all LLP members.

Existing Kent Reliance for Intermediaries borrowers may switch a buy to let asset from an individual name into a limited company or an LLP.

Newly formed LLPs are acceptable.

Non-UK based companies are not acceptable.

Legal representation

Any limited company or LLP application will need to select a solicitor from our limited company/LLP panel of approved solicitors.

Alternatively, an applicant can use their own solicitor. However, we’ll instruct one of the solicitors from the approved limited company/LLP panel, and the applicant will be liable for both sets of fees.

Separate representation (lender only)

Any cases that require separate legal representation for us will incur costs, which the applicant will need to pay.

Loans of £2,000,000 and above will continue to have separate legal representation with us selecting a solicitor firm from our approved limited company/LLP panel to act on our behalf. The applicant will be liable for our costs where a case proceeds under separate representation.

Please click here for our fees and charges.

Joint representation (lender and customer)

For any case where the applicant selects joint legal representation, the solicitor must be selected from our approved limited company/LLP panel who'll act on behalf of us and the applicant.

Please click here for our fees and charges.

Complex valuation fees
  • HMO/student/multi-let with 7-10 lettable rooms.
  • Freehold block with 7-10 self-contained flats.
  • Multiple houses on a single freehold title.

Valuation fees will need to be paid by the applicant.

Up to £350,000

 

£350,001 to £700,000

 

£700,001 to £2,000,000

 

£2,000,001 to £4,000,000

 

£4,000,001 to £5,000,000

 

£5,000,001+

Concrete construction

These are considered subject to construction type and valuer’s comments.

Any property formed of prefabricated reinforced concrete (PRC) construction designated defective under the Housing Act 1985 must have been prepared under a repair scheme licensed by PRC Homes Ltd. Any adjoining properties must also have the necessary repair certificates.

Consumer buy to let

Applications classed as consumer buy to let (CBTL) can be considered.

Energy efficiency regulations

As of the 1 April 2018, it’s illegal to grant a new tenancy on a residential property where the energy rating is either an ‘F’ or ‘G’. It’s the responsibility of the solicitor to ensure the energy certificate is in place.

Exposure limits

We won’t lend on more than 20% on any one block or development.

Where the block contains four units or less, the application of the above 20% rule is entirely at the discretion of the underwriter.

First-time landlords including HMOs

First-time landlords are acceptable if they’re a residential homeowner and the property has no more than six beds.

Maximum 80% LTV applies for first-time landlords.

Flats

Flats in blocks must be of modern construction.

Flats within high-rise blocks above the 12th floor may be considered on a case-by-case basis as an exception at our discretion. This is subject to the valuer confirming that the position of the flat within the tower block doesn’t detrimentally impact on marketability.

If the property on which we’re lending is on the fourth floor or above, the property must have a lift.

Maximum number of floors accepted as standard:

  • Outside of London: 6 (plus ground floor).
  • Within London: 12 (plus ground floor).

Ex-local authority flats:

These can be considered where:

  • There is good re-sale value
  • The block is more than 80% privately owned
  • The security isn’t in a pre-emption period
Furlough payments, bounce back loans and coronavirus business interruption loans (CBILS)
  • We’ll consider applications from landlords currently in receipt of furlough / SEISS income.
  • The latest bank statement is required to evidence rent / mortgage payments.
  • Bounce back loans and CBILS aren’t acceptable as a source of deposit.

There maybe additional underwriting requirements. If you have any queries related to your application, please contact your business development manager.

Further advances

Minimum loan: £15,000.

Maximum loan: £1,000,000.

These products are available on repayment and interest-only terms.

Further advance terms mustn’t exceed the term of the existing mortgage.

A breakdown outlining the purpose of the further advance is required.

HMOs

Minimum property value: £75,000

HMOs with up to ten bedrooms and MUFBs with up to ten units accepted.

Available in England and Wales.

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.

Communal space, amenities and fire precautions

We request our valuers to consider minimum room size and communal space standards in accordance with current RICS guidance.

The HMO must have the correct level of communal space, amenities and fire precautions as set out by the respective local authority.

The spatial requirements are as follows:

  • Single bedroom: floor area 6.51m2 minimum.
  • Double bedroom: floor area 10.22m2 minimum (rooms can’t include areas where ceiling height is below 1.5m).
  • 1-3 persons: 13.5m2 total communal living space, the kitchen must be at least 5m2.
  • 4 persons: 17m2 total communal living space, the kitchen must be at least 6m2.
  • 5 persons: 18m2 total communal living space, the kitchen must be at least 7m2.
  • 6 persons: 20m2 total communal living space, the kitchen must be at least 9m2.
  • 7-10 persons: 27.5m2 total communal living space, the kitchen must be at least 11m2.
Holiday lets

If your landlord customer is looking for a holiday let mortgage, our sister company InterBay Commercial could help. To find out more, visit InterBay.co.uk to speak with a member of their sales team.

Income key facts

Affordability is based on rental income.

Intercompany loans

Intercompany loans are an acceptable source of deposit, subject to the following criteria:

  • The majority shareholder must mirror across the SPV and connected company.
  • The loan needs to be repayable and a term agreed with a documented loan agreement (a copy will be required to be held on file).
  • The rate of interest applied should be HMRC’s ordinary rate of interest (currently 2.25%).
  • Any monthly payment should be included in the ICR calculation.
  • Connected company must not have any interest or charge over our security.
Japanese knotweed

Considered for category one only.

Japanese knotweed must not have been identified on the property or within seven metres of the boundary.

Leasehold properties

Minimum unexpired lease term

50 years at the end of the mortgage term.

Leasehold properties on an interest-only basis where the remaining lease term is less than 85 years will be accepted at a maximum 75% LTV.

Legal fees – limited company buy to lets

Legal representation

Any limited company or LLP application would need to select a solicitor from our closed panel of approved solicitors. Please view our panel here.

Alternatively, an applicant can use their own solicitor, provided they meet our criteria. However, we’ll instruct one of the solicitors from the closed panel and the applicant will be liable for both sets of fees.

Separate representation

Any cases that require separate legal representation for us will incur the following costs that the client will need to pay.

Purchase price (for purchases)
Loan size (for remortgages)
Fee for freehold Fee for leasehold
£0
to
£250,000
£450 £525
£250,001
to
£999,999
£450
+ 0.15% of the amount of the advance over £250,000
£525
+ 0.15% of the amount of the advance over £250,000
£1,000,000+ POA POA

 

Additional fees Freehold Leasehold
Each additional AST £25 £25

 

Additional fees for companies Freehold Leasehold
Corporate customer £125 £125
Personal guarantee (per guarantor) £50 £50

 

Note: The above fees will be subjected to the payment of VAT at the going rate. Disbursements will be payable for relevant searches, land registration costs and Stamp Duty Land Tax (where applicable).

The additional fee items listed above are not an exhaustive list. If the borrower requires any additional fee work to be undertaken (e.g., board minutes), the fee(s) for those items must be separately negotiated with the selected firm. Loan/purchase instructions not proceeded with will all be charged in an amount commensurate to the work done, as at the time that the matter becomes abortive.

Joint representation (lender and customer)

In any case where the customer selects joint legal representation, their conveyancer must be selected from our approved panel of conveyancers wholl act on behalf of us and the customer. The customer will incur the following costs that the customer will need to pay.

Purchase price (for purchases)
Loan size (for remortgages) 
Fee for freehold Fee for leasehold
  Remortgage Purchase Remortgage Purchase
£0
to
£150,000
£550 £650 £700 £850
£150,001
to
£300,000
£550 £700 £700 £900
£300,001
to
£350,000
£650 £800 £800 £1,000
£350,001
to
£400,000
£650 £900 £800 £1,200
£400,001
to
£500,000
£750 £1,000 £950 £1,400
£500,001
to
£600,000
£850 £1,200 £1,050 £1,600
£600,001
to
£700,000
£950 £1,400 £1,150 £1,800
£700,001
to
£800,000
£1,150 £1,600 £1,250 £2,000
£800,001
to
£900,000
£1,350 £1,700 £1,550 £2,200
£900,001
to
£999,999
£1,550 £1,900 £1,750 £2,400
£1,000,000+ POA POA

 

Additional fees Freehold Leasehold
Each additional AST £25 £25

Additional fees for companies Freehold Leasehold
Corporate customer £125 £125
Personal guarantee (per guarantor) £50 £50

 

The above fees will be subject to the payment of VAT at the going rate. Disbursements will be payable for relevant searches, land registration costs, Stamp Duty Land Tax (where applicable).

The above fees are only for the work requested to register our security in accordance with UK Finance Mortgage Lender's Handbook, any special conditions contained in the mortgage offer and the Companies Act 2006 (as amended).

The additional fee items listed above are not an exhaustive list. If the borrower requires any additional fee work to be undertaken (e.g., board minutes), the fee(s) for those items must be separately negotiated with the selected firm.

Loan/purchase instructions not proceeded with will be charged in an amount commensurate to the work done as at the time the matter becomes abortive.

There may be some circumstances where joint representation may not be appropriate.

Let to buy

Accepted.

The applicant must provide evidence of the onward residential purchase by way of a mortgage offer prior to completion of the mortgage with us.

Limited company directors

Director’s salary and dividends must be declared for the latest year's accounts. Retained profit isn’t taken into account.

Accepted accountant’s qualifications:

  • Institute of Chartered Accountants in England and Wales (ICAEW): ACA qualified.
  • Association of Chartered Certified Accountants (ACCA): ACCA/FCCA qualified.
  • Chartered Institute of Management Accountants (CIMA): ACMA/FCMA qualified.
  • Association of Authorised Public Accountants (AAPA): AAPA qualified.
  • Chartered Institute of Taxation (CIOT): CTA qualified.
  • Institute of Certified Public Accountants (Ireland) CPA Ireland: CPA/FCPA qualified.
  • Association of International Accountants (AIA): AIA/FAIA qualified.
  • Institute of Financial Accountants (IFA): FFA/AFA qualified.
Loan key facts

Terms available between 5 and 35 years.

Remortgages considered within six months.

Offers valid for three months.

New builds: six months.

Minimum property value

Minimum property value: £75,000.

Mortgage payments (direct debit)

All mortgage payments must be paid by direct debit and the applicant must choose between the 10th and 28th days of the month for the payment to be collected.

Multiple units on a single freehold

Blocks of flats on a single freehold

For blocks up to and including six units, each individual flat within the block must be:

  • Marketable in isolation either to owner occupier purchasers or investors.
  • Fully self-contained, including separate services.
  • Over 30m2 gross internal area.

The block must:

  • Be a complete, continuous freehold block.
  • Benefit from the correct local authority consents.

The flats will be valued on a comparable basis considering transactions of other purpose-built and converted flats in the surrounding area. An aggregate value shall be reported, assuming the flats are to be sold on individual long leasehold titles.

If any of the flats don’t meet the above requirements, or if the valuer is of the opinion that there’s no, or a limited market for the units individually, the property won’t be recommended as suitable security. Unless a bespoke valuation report is requested by us, the Specialist valuation fee scale shall apply.

Blocks of seven or eight units (more by exception) on a single freehold can be considered if the applicant has a sufficient track record of managing such property. Each individual flat within the block must be:

  • Marketable in isolation either to owner occupier purchasers or investors.
  • Fully self-contained, including separate services.
  • Over 30m2 gross internal area.

The block must:

  • Be a complete, continuous freehold block.
  • Benefit from the correct local authority consents.

The flats will be valued on a comparable basis considering transactions of other purpose-built and converted flats in the surrounding area. An aggregate value shall be reported assuming the flats are to be sold in individual long leasehold titles.

If any of the flats don’t meet the above requirements, or if the valuer is of the opinion that there’s no, or limited market for the units individually, then the property will be valued as a single investment block. Unless a bespoke valuation report is requested by us, the Complex valuation fee scale shall apply.

New builds and builds up to 10 years old

The block must benefit from a 10-year new homes warranty or UK Finance compliant Professional Consultant’s Certificate (PCC), with accompanying professional indemnity insurance. Retrospective PCCs aren’t acceptable.

Multiple houses on a single freehold

We can consider multiple houses on a single freehold. If each individual house is marketable in isolation, either to owner occupier purchasers or investors and fully self-contained, including separate services, the houses will be valued on a comparable basis, considering transactions of other houses in the surrounding area.

An aggregate value shall be reported assuming they are to be sold on individual freehold or long leasehold titles with appropriate or prudent lotting of gardens or other communal areas. If any of the houses don’t meet the above requirements, or if the valuer is of the opinion that there’s no, or limited market for the units individually, then the property will be valued as a single investment block.

Unless a bespoke valuation report is requested by us, the Complex valuation fee scale shall apply.

If any of the individual houses are to be used as HMOs/student lets, please refer to the HMO/student lets criteria.

Portfolio landlords

Accepted.

Definition of portfolio landlords

Portfolio landlords are defined as landlords with four or more mortgaged buy to let properties, including:

  • Those that are applying for a fourth mortgaged property.
  • Those looking to remortgage one of their existing four properties.

Submission process

Additional information is required for portfolio landlords, including details of the borrower’s wider buy to let portfolio, which will be assessed as part of the underwriting process.

Please use our portfolio submission platform, the Buy to Let Hub, to submit this information.

We’ll also require a completed Business plan, cash flow and assets and liabilities form to support the borrower’s application. Without this, your application won’t be underwritten. Download our required documents checklist.

One month’s bank statement is required evidencing rent, mortgage payments and liquidity to cover voids.

If the applicant has their whole portfolio with OSB Group, we don't require a Buy to Let Hub submission.

The applicant must include all residential investment properties they have an interest in. This includes those they own in their sole name, own in joint names or are owned by a company of which they are a director or shareholder.

If the applicant is a limited company, properties owned by the company’s directors, or owned by other companies of which the directors/shareholders are a shareholder or director, should also be included.

You must include those currently held with OSB Group.

Commercial or semi-commercial properties, owner occupied loans or properties with bridging finance should be excluded from the portfolio.

Properties above (or attached to) commercial premises

In general, properties above (or attached to) the following establishments won’t be accepted:

  • Takeaways, restaurants and cafés.
  • Bars and nightclub.
  • MOT garages, or any property where industrial processes are carried out.
  • Dry cleaners (where dry cleaning takes place on the premises).
  • Nail bars.
  • Tattoo parlours.
  • Hairdressers.

This isn’t an exhaustive list. Please speak to your business development manager for more information.

Property key facts
  • HMOs considered.
  • Multiple units on a single freehold considered.
  • Studio flats considered.
Property types considered on a case-by-case basis

The following are considered on their individual merits:

  • Properties attached to commercial premises.
  • Non-traditional forms of construction.
  • Ex-local authority properties.
  • High-rise properties.
  • Basement flats.
Remortgages

Acceptability

Remortgages can’t be accepted for the following purposes:

  • To shore up a business.
  • To repay gambling debts.

Remortgages within six months

Remortgages will be considered where the security property has been owned or the existing mortgage has been in place for less than six months, subject to:

  • The loan amount being based upon the lower of the purchase price or current valuation. Exceptions will be considered where it can be demonstrated that since the date of purchase, significant improvement works that have enhanced the property value have been carried out subject to:
    • A schedule of works and evidence of expenditure.
    • Confirmation that works have been completed to a suitable standard.
    • Any necessary consents have been obtained.
    • Confirmation that the property is marketable and mortgageable.
  • In all instances, the property must be registered at the Land Registry as owned by the applicant(s). Solicitor confirmation or TR1 are also acceptable during the application process.
  • New-build properties excluded.
  • All other standard criteria apply.
Rental income requirements

Rental income requirements are dependent on the property profile.

  • Single dwellings.
  • HMO/multi-let/student lets with up to six rooms
  • Freehold block/titles of land with up to six residential units

Limited company rental cover – 125%

Personal name rental cover – 140%

  • HMO/multi-let/student lets with seven to ten rooms with more on exception
  • Freehold block/titles of land with seven to ten residential units

Limited company rental cover – 145%

Personal name rental cover – 160%

Please refer to the ‘Buy to let rental calculation guide’ that can be found at https://www.kentrelianceforintermediaries.co.uk/buy-to-let/literature/how-to for further information.

Residency

UK/EU nationals accepted.

Other European Economic Area (EEA) Nationals must have been resident in the UK for a minimum of 36 months. Must provide evidence of ongoing rights to reside by either a valid permanent residence document, or documents evidencing that ‘settled’ or ‘pre-settled’ status has been granted under the EU Settlement Scheme.

Applicants should have lived and worked in the UK for the last three years.

Security

Properties in England and Wales only.

A first legal charge is required.

New build, newly converted, and those under 10 years old

New build properties are considered as those that:

  • Are less than two years old (from the date of practical completion), and/or
  • Haven’t been lived in.

Maximum LTV

Houses: maximum 85% LTV.

Flats: maximum 75% LTV.

Warranties

If the property is less than 10 years old, one of the following warranties must be in place:

  • Advantage
  • Aedis Warranties
  • Ark Residential New Build Warranty
  • BOPAS (Build Offsite Property Assurance Scheme)
  • Build Assure (New Homes Structural Defects Insurance)
  • Build Zone Structural Warranty
  • Building Life Plan
  • Checkmate Castle 10 New Home Warranty
  • Global Home Warranties
  • ICW
  • LABC New Home Warranty
  • N.H.B.C. guarantee
  • One Guarantee
  • Premier Guarantee Scheme
  • Protek
  • Q Policy
  • UK FINANCE Compliant Professional Consultants Certificate with proof of PI
  • Zurich Municipal

For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers. This is subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten.

The solicitor acting for us should ensure an acceptable warranty is in place.

Modern methods of construction

Any off-site technology must be subject to the Build Offsite Property Assurance Scheme (BOPAS) in conjunction with an acceptable 10-year new homes warranty.

Sole traders and partnerships

Net profit before tax based on accounts for the latest year's accounts for sole traders and partnerships must be declared.

Accepted accountant’s qualifications:

  • Institute of Chartered Accountants in England and Wales (ICAEW): ACA qualified.
  • Association of Chartered Certified Accountants (ACCA): ACCA/FCCA qualified.
  • Chartered Institute of Management Accountants (CIMA): ACMA/FCMA qualified.
  • Association of Authorised Public Accountants (AAPA): AAPA qualified.
  • Chartered Institute of Taxation (CIOT): CTA qualified.
  • Institute of Certified Public Accountants (Ireland) CPA Ireland: CPA/FCPA qualified.
  • Association of International Accountants (AIA): AIA/FAIA qualified.
  • Institute of Financial Accountants (IFA): FFA/AFA qualified.
Source of deposit

The deposit should come from the applicant’s own resources. The applicant must provide the required level of deposit to meet the product requirements.

Family member gifted deposits

For a gifted deposit to be acceptable, the family member must be one of the following:

  • Spouse/civil partner.
  • Parents (including step-parents).
  • Grandparents.
  • Siblings (brother/sister).
  • Daughter/son.
  • Aunt/uncle.

Required documentation

A copy of our gift declaration form must be provided, to confirm:

  • The gift isn’t a loan.
  • The gift is non-refundable.
  • The donor won’t have an interest in the property.
Value Additional Information
<£20k Only signed gift declaration form is required.
£20k to £50k Gift declaration form and evidence of deposit (a recent bank statement or equivalent).
£50k Gift declaration form, evidence and identity of donor (a recent bank statement or equivalent and certified copy of a valid passport/driving licence.

 

Should the gift originate from family living abroad, we require evidence of:

  • The funds showing in the applicant’s UK bank account.

Builders’ incentives

Builders’ incentives are acceptable.

Calculation

Builders’ incentives are deducted from the lower of the purchase price or valuation. The loan amount is based on the resulting lower total.

Vendor deposit

Vendor deposits are accepted.

Calculation

Vendor deposits are deducted from the lower of the purchase price or valuation. The loan amount is based on the resulting lower total.

Specialist valuation fees
  • HMO/student let/multi-let with up to six rooms.
  • Freehold block of up to six self-contained flats.

Valuation fees will need to be paid by the applicant.

Up to £350,000

 

£350,001 to £700,000

 

£700,001 to £2,000,000

 

£2,000,001 to £4,000,000

 

£4,000,001 to £5,000,000

 

£5,000,001+

Standard valuation fees
  • Single dwellings

Valuation fees will need to be paid by the applicant.

Up to £250,000

 

£250,001 to £500,000

 

£500,001 to £1,000,000

 

£1,000,001 to £3,000,000

 

£3,000,001 to £5,000,000

 

£5,000,001+

Student lets

We differentiate student lets and similar HMOs into small and large categories. Subject to valuation, the following properties can be considered:

Small student lets

  • Maximum six bedrooms.
  • We can accept single or multiple ASTs where applicable.
  • Timespan: 6-12 months acceptable as standard; maximum three years.
  • Longer ASTs are considered at the underwriter’s discretion but must include a break clause every 12 months.
  • C4 planning consent.
  • For purchases, the following is applicable prior to release of funds:
    • Where the property is currently licensed – a copy of the licence, with undertaking for transfer to borrower name, is required.
    • Where the property is not licensed but the applicant holds other licensed property – a copy of a licence for another of the applicant’s properties, plus undertaking to apply for a licence on the subject, is required.
    • Where the property is not licensed and the applicant doesn’t hold a licence on another property – undertaking to apply for a licence is required.
  • For remortgages, a copy of the licence must be provided prior to release of funds.

Valuation

The property will be valued on a comparable basis with regard to transactions of other student lets/HMOs and private dwellings in the surrounding area. The valuation will include any HMO planning premium (Article 4) and enhanced value arising from additional facilities.

A ‘best rent’ shall be reported having regard to existing property layout and minimum room size standards (RICS or local authority, as applicable for the location). Unless a bespoke valuation report is requested by the Bank, the Specialist valuation fee scale shall apply.

Large student lets

  • 7-10 lettable rooms.
  • We can accept single or multiple ASTs where applicable.
  • Timespan: 6-12 months acceptable as standard; maximum three years.
  • Longer ASTs are considered at the underwriter’s discretion but must include a break clause every 12 months.
  • Sui generis planning consent.
  • For purchases, a copy of the licence or evidence the applicant holds a licence on an alternative property must be received prior to release of funds.
  • For remortgages, a copy of the licence must be provided prior to release of funds.

Valuation

The property will be valued on an investment basis with regard to transactions of other large student lets/HMOs in the surrounding area. The valuation will include any HMO planning premium (Article 4) and enhanced value arising from additional facilities. Unless a bespoke valuation report is requested by the Bank, the Complex valuation fee scale shall apply.

Communal space, amenities and fire precautions

We request the valuer considers minimum room size and communal space standards in accordance with current RICS guidance.

The HMO must have the correct level of communal space, amenities and fire precautions as set out by the respective local authority.

The spatial requirements are as follows:

  • Single bedroom: floor area 6.51m2 minimum.
  • Double bedroom: floor area 10.22m2 minimum (rooms can’t include areas where ceiling height is below 1.5m).
  • 1-3 persons: 13.5m2 total communal living space, the kitchen must be at least 5m2.
  • 4 persons: 17m2 total communal living space, the kitchen must be at least 6m2.
  • 5 persons: 18m2 total communal living space, the kitchen must be at least 7m2.
  • 6 persons: 20m2 total communal living space, the kitchen must be at least 9m2.
  • 7-10 persons: 27.5m2 total communal living space, the kitchen must be at least 11m2.
Tenancy

Properties must be let on one of the following:

  • An AST.
  • A contractual tenancy.

A fixed-term of 12 months can be considered up to 85% LTV

A fixed-term of up to 36 months can be considered up to 75% LTV when:

  • The AST provides for a rent review every 12 months or less.
  • The application meets our minimum ICR requirements.
  • A solicitor must be satisfied that there’s a written tenancy agreement, which restricts the tenant from:
    • Sharing, assigning, sub-letting, multi-letting, charging or parting with possession of all or any part of the property.
    • Using the property other than as a private dwelling house.
    • Making alterations to the property or allowing the property to fall into disrepair.

We don’t permit any sub-letting.

Tenure

Freehold

Houses only.

Leasehold

The unexpired term of the lease must be at least 50 years at the end of the mortgage term.

Using passing rent to calculate the estimated loan amount

In some circumstances, when calculating the amount we’re willing to lend, we’re able to accept the passing rent for a property, rather than the market rent confirmed by the valuer.

In order to use the passing rent to calculate the estimated loan amount, each of the following criteria must be met:

  • Evidence of two rental periods (bank statements or letting agent confirmation).
  • The passing rent adopted doesn’t exceed 10% of the market rent supported by the valuer.
  • The passing rent is on a fully exclusive basis - it doesn’t include cost of utilities, council tax etc.
  • The tenant is an independent third party.
Acceptable income

All residential loans must pass the affordability test using our own model. Income from all applicants will be combined for the purpose of affordability. Please use our residential affordability calculator to check your client’s affordability.

We’ll accept the following forms of income:

  • Gross annual basic income: 100% - including 100% of guaranteed permanent allowances to include large town weighting allowance, car allowance and housing allowance.
  • Overtime, bonus, commission: 50%.
  • Child maintenance by court order: 100% (child can be up to 13 years old).
  • Pension: 100% (state or private).
  • Child/working family tax credits: 100%.

Benefits that are not acceptable include:

  • Housing benefit.
  • Jobseeker’s allowance.
  • Mobility allowance.

Self-employed applicants

Affordability is based on net profit before tax, based on the finalised accounts for the last three years for sole traders/partnerships.

For limited company directors with a shareholding greater than 25%, income will be assessed in the form of director’s remuneration and dividends.

Overtime

If overtime remains constant month on month, we’ll include 50% over a three month period in our affordability calculation.

If the overtime fluctuates, we’ll include 50% of the average of the last three months in our affordability calculation.

This is subject to overtime being sustained.

Commission

If commission remains constant month on month, we’ll include 50% over a three month period in our affordability calculation.

If the commission fluctuates, we’ll include 50% of the average of the last three months in our affordability calculation.

This is subject to commission being sustained.

How is self-employed income assessed?

Self-employed: sole trader/partnership

Annual income will be assessed from the accounting information supplied.

Scenario:

Income considered:

Profit has been steadily increasing for the last three years.

Based on the last year.

Profit hasn’t been steadily increasing for the last three years.

The lowest of the following:
The average of the last three years’ net profit
The latest year’s net profit.

Only one year net profit is available.

The projected income for the second year from a suitably qualified accountant and a business plan.
The level of projected income used can be up to 30% greater than the year one figure.

 

Self-employed: limited company

Income will be taken as per employed applicants plus dividends where appropriate.

Scenario:

Income considered:

Director’s salary and/or dividends have been steadily increasing for the last three years.

Director’s salary from the last year (plus dividends where appropriate).

Director’s salary and/or dividends haven’t been steadily increasing for the last three years.

The lowest of the following:
The average of the last three years’ director’s salary (plus dividends where appropriate)
The latest year’s director’s salary (plus dividends where appropriate)

Only one year director’s salary and/or dividends is available.

The projected income for the second year from a suitably qualified accountant and a business plan (plus dividends where appropriate).
The level of projected income used can be up to 30% greater than the year one figure.

 

Maintenance income

We can only accept maintenance income if this is ordered by either the courts or child support agency. It must be in place for the life of the initial mortgage product i.e., two to five years, depending on the product selected.

This should be evidenced via a minimum of three months’ bank statements, demonstrating payment at the level indicated.

Government benefits

Government benefits (excluding child/working tax credits) are not acceptable. Child Benefit can be considered in addition to employed income at the underwriter’s discretion.

Pension income

We can accept 100% of private and state pension.

Rental income

We can accept 100% of net rental income, which must be evidenced by way of finalised accounts, SA302s, submitted tax calculations or an accountant’s reference.

We can accept 50% where used as additional income.

Second income

We can accept 100% of a second income that is sustainable and held for a minimum of 12 months. Hours worked should be sustainable and not excessive.

Payslip deductions

These are considered as anything that can’t be opted out of such as student loans and child support, and are factored into our affordability calculation.

Acceptable proof of address

We aim to get electronic proof of address but if documentation is required we accept the following:

  • Valid UK driving licence* - photocard (full or provisional) – if not used as proof of identity.
  • Current bank debit card statement issued by a regulated financial sector firm in the UK – includes bank or building society savings books (not internet printed) - dated within last three months.
  • Current mortgage statement issued by a regulated financial sector firm in the UK - dated within the last 12 months.
  • Council tax bill – dated within a year.
  • A positive voter’s roll result (please include the reference number or printed copy as evidence).

* In accordance with the DVLA regulations, you’ll need to check the expiry date of the photocard driving licence. If the photo has expired, we may not accept it as proof of address, and therefore other items may be requested.

Acceptable proof of identity

We aim to get electronic proof of identity but if documentation is required we accept the following:

  • Valid UK/non-UK passport.
  • Valid UK driving licence* - photocard (full or provisional).
  • HM Forces/police warrant card.

* In accordance with the DVLA regulations, you’ll need to check the expiry date of the photocard driving licence. If the photo has expired, we may not accept it as proof of identity, and therefore other items may be requested.

Adverse credit

Prime

* Must be satisfied prior to mortgage application. Ignore if: <£300 in total and satisfied

 

Near prime

* All CCJs and defaults must be paid prior to the application or must meet our ignore CCJ/default criteria

 

Shared ownership

* Whilst unsecured arrears are not counted, we reserve the right to consider on a case-by-case basis as part of the full underwrite.

Applicant key facts
  • Maximum number of applicants: four.
  • Age limits: 18-85. Maximum age at end of term is 85 (including lending into retirement).
  • Self-employed applicants considered.
  • Contractors considered.
  • Adverse credit considered.
  • Credit score not required but credit checks are.
Application and product fees

Application fee:

£145, payable at time of application.

Product fees:

Please see individual product pages.

Product switching fee:

£30, payable at time of product switch.

Concrete construction

These are considered subject to construction type and valuer's comments.

Any property formed of prefabricated reinforced concrete (PRC) construction designated defective under the Housing Act 1985 must have been prepared under a repair scheme licensed by PRC Homes Ltd. Any adjoining properties must also have the necessary repair certificates.

Contractors

Contractors are considered.

PAYE contractors

Applicants employed on a PAYE contract basis must have had their contract renewed at least once, with at least six months to run. The applicant will be required to provide the latest contract and if less than six months remains, the underwriter must assess the likelihood of the contract being renewed (e.g. as evidenced by having been renewed once).

Self-employed contractors

Minimum income requirement

  • There’s no minimum income requirement for contractors. We do, however, require receipt of three months’ personal and business bank statements.

Maximum LTVLoan to value

  • Maximum 85% applies. This isn’t restricted if two years or more track history. Subject to product restrictions.

Contract term

  • Contractors must have a minimum of three months’ remaining on their contract at the time of application.

Contract renewal

  • The applicant must be able to evidence at least one contract renewal with a minimum of 12 months’ sector experience.

Construction industry sub-contractors

  • Contractors are treated as employed if paid net of tax (self-employed if paid on a gross basis).
Employed applicants

The applicant must provide their previous 12 months’ employment history.

Proof of income

  • Latest three months’ payslips.
  • Latest three calendar months’ personal bank statements showing income and expenditure.
Existing OneSavings Bank borrowers

For applications on behalf of existing residential borrowers, please see the following sections:

Ex-local authority houses

The property must be outside of pre-emption period.

Flats

Flats in blocks must be of modern construction.

Flats within high-rise blocks above the 12th floor may be considered on a case-by-case basis as an exception at our discretion. This is subject to the valuer confirming that the position of the flat within the tower block doesn’t detrimentally impact on marketability.

If the property on which we’re lending is on the fourth floor or above, the property must have a lift.

Maximum number of floors accepted as standard:

  • Outside of London: 6 (plus ground floor).
  • Within London: 12 (plus ground floor).

Ex-local authority flats:

These can be considered where:

  • There is good re-sale value.
  • The block is more than 80% privately owned.
  • The security isn’t in a pre-emption period.

Studio flats

Must be a minimum of 30m2.

Must be self-contained including separate services.

Furlough payments, bounce back loans and coronavirus business interruption loans(CBILS)
  • Furlough income is not acceptable as an income source.
  • Self-Employed Income Support Scheme (SEISS) is not acceptable as an income source.
  • Bounce back loans and CBILS aren’t acceptable as a source of deposit.
Further advances

Standard residential further advances

Minimum loan: £15,000.

Maximum loan: £1,000,000 – more available by exception.

These mortgage products are only available on a repayment basis.

Further advances terms must not exceed the term of the existing mortgage.

These mortgage products are portable. Even if your client moves home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of their existing mortgage) of that special deal can be transferred to their new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges won’t be charged but the existing rate won’t apply to any additional funds that your client borrows.

Guarantors

A maximum of one guarantor is accepted.

Please ensure the application is noted to state which applicant is the guarantor and we’ll ensure they don’t appear on the deeds on the mortgage offer.

Number of applicants

The guarantor will count as an applicant on the mortgage. The guarantor mustn’t make the number of applicants on the mortgage exceed four.

Affordability and evidence

The guarantor’s income and commitments will be included in our affordability calculation in addition to the applicant’s income. For affordability, we’ll use household expenditure for both the applicant(s) and guarantor(s).

The guarantor must provide:

  • Evidence of income.
  • Existing commitments.
  • Bank statements.

Term

The term is based on the age of the oldest applicant, including the guarantor.

If the term takes the guarantor over the age of 70, we’ll only be able to use their pension income for affordability purposes.

Income key facts

One year self-employed applicants and contractors accepted with no minimum income.

Overtime, bonus and commission accepted at 50%.

Interest-only

Sale of security property

If using sale of security property as a repayment strategy, a maximum 50% LTV applies. The applicant must have in excess of £200,000 equity at the time of application and their circumstances must clearly reflect the ability to downsize at the end of the term.

All other repayment strategies

A maximum 85% LTVLoan to value applies.

Asset-backed interest-only available subject to minimum property value of £500,000.

Acceptable repayment strategies and required evidence

Asset Backed Interest-Only

Repayment strategy

Evidence requirements and criteria

Endowment

Copy of the latest projection statement(s) dated within the last 12 months.

Stocks and Shares ISA

Copy of the latest investment statement(s) dated within the last 12 months.

Unit trusts/OEICs

Copy of the latest investment statement(s) dated within the last 12 months.

Pension

Copy of the latest projection statement(s) dated within the last 12 months.

UK stocks and shares

Evidence of current ownership.

Savings

Copy of passbook/statement of balance dated within the last 12 months.

Premium bonds

Evidence of current ownership.

Sale of second home/buy to let property

Details of property, evidence of existing secured debt, evidence of current value (estate agent valuation or automated valuation model).

 

Non-Asset Backed Interest-Only

Sale of security property

Residential owner occupied maximum is 50% LTV with a minimum equity amount of £200,000.
The borrower circumstances must clearly reflect the ability to downsize at term end.

Japanese knotweed

Considered for category 1 only. Japanese knotweed mustn’t have been identified on the property or within seven metres of the boundary of the property.

Loan key facts

Maximum 90% LTVLoan to value.

Terms available between 5 and 35 years.

Loans available up to £3,000,000. More available by exception.

Loan purpose

The following loan purposes are acceptable:

  • Purchase of applicant’s main residence.
  • Remortgage of applicant’s main residence.

The following loan purposes aren’t acceptable:

  • To shore up a business.
  • Remortgages to repay gambling debts.
  • Purchases where the applicant is married or in a civil partnership and their spouse or partner isn’t included on the application.
  • To repay tax.
Minimum and maximum loan size

Prime loans and asset-backed interest-only mortgages

Minimum loan: £50,000.

Maximum loan: £3,000,000 – more available by exception.

Note: Asset-backed interest-only available subject to minimum property value of £500,000.

Near prime mortgages

Minimum loan: £50,000.

Maximum loan: £3,000,000 - more available by exception.

Shared ownership

Minimum loan: £50,000.

Maximum advance: £1,000,000 - more available by exception.

Mortgage payments (direct debit)

All mortgage payments must be made by direct debit, and the applicant must choose between 10th and 28th days of the month for the payment to be collected.

New builds, newly converted properties and renovations

New build properties are considered as those that:

  • Are less than two years old (from the date of practical completion), and/or
  • Haven’t been lived in.

Build maximum LTV

Houses: maximum 85% LTVLoan to value.

Flats: maximum 75% LTV.

Warranties

If the property is less than 10 years old, one of the following warranties must be in place:

  • Advantage
  • Aedis Warranties
  • Ark Residential New Build Warranty
  • BOPAS (Build Offsite Property Assurance Scheme)
  • Build Assure (New Homes Structural Defects Insurance)
  • Build Zone Structural Warranty
  • Building Life Plan
  • Checkmate Castle 10 New Home Warranty
  • Global Home Warranties
  • ICW
  • LABC New Home Warranty
  • N.H.B.C. guarantee
  • One Guarantee
  • Premier Guarantee Scheme
  • Protek
  • Q Policy
  • UK FINANCE Compliant Professional Consultants Certificate with proof of PI
  • Zurich Municipal.

For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers, subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten.

The solicitor acting for us should ensure an acceptable warranty is in place.

Properties above (or attached to) commercial premises

These are considered on a case-by-case basis:

  • Subject to valuer’s comments.
  • Maximum 75% LTVLoan to value applies.

In general, properties above (or attached to) the following establishments won’t be accepted:

  • Takeaways, restaurants and cafés.
  • Bars and nightclubs.
  • MOT garages or any property where industrial processes are carried out.
  • Dry cleaners (where dry cleaning takes place on the premises).
  • Nail bars.
  • Tattoo parlours.
  • Hairdressers.

This isn’t an exhaustive list, so please speak to your business development manager for more information.

Property key facts

Shared ownership considered.

Studio flats considered (must have minimum 30m2 gross internal area).

Minimum property value £75,000.

Remortgages within six months

Remortgages will be considered where the security property has been owned or the existing mortgage has been in place for less than six months, subject to:

  • The loan amount being based upon the lower of the purchase price or current valuation. Exceptions will be considered where it can be demonstrated, that since the date of purchase, significant improvement works that have enhanced the property value have been carried out subject to:
    • A schedule of works and evidence of expenditure.
    • Confirmation that works have been completed to a suitable standard.
    • Obtainment of any necessary consents.
    • Confirmation that the property is marketable and mortgageable.
  • In all instances, the property must be registered at the Land Registry as owned by the applicant(s). Solicitor confirmation or TR1 are also acceptable during the application process.
  • New build properties excluded.
  • All other standard criteria apply.
Repayment methods

We accept the following repayment methods:

  • Capital repayment.
  • Interest-only mortgages (not available for shared ownership).
  • Part and part (not available for shared ownership).

The repayment methods available differ for each individual product. Asset backed interest-only not available for near prime applications.

Required documents on submission
Residency

EEA Nationals must have been granted Settled/Pre-Settled Status.

Non-EEA nationals must have permanent rights to remain in the UK.

Applicants should have lived and worked in the UK for the last three years.

Security

Properties in England and Wales only.

A first legal charge is required.

Shared ownership: Full Mortgage Protection Clause (MPC) is required and must have staircasing ability to 100%.

New build properties

Must have acceptable warranty or CML compliant certificate.

Self-build properties

Must have required certification.

Self-employed applicants

Self-employed applicants are considered.

12 months’ trading

We’re able to consider self-employed applicants who’ve been trading for a minimum of 12 months.

  • Applicant must have 12 months’ previous track record in the industry they’re now self-employed in. Evidence must be provided; for example, proof of income from previous employment.
  • Maximum 85% LTVLoan to value.
  • Most recent three months’ personal and business bank statements must be provided.
  • Self-assessment returns or SA302s aren’t accepted as proof of income.

Where available, the latest two years accounts should be provided. Projection for the second year income from a suitably qualified accountant can be considered where a suitable business plan is provided. The level of projected income used can be up to 30% greater than year one confirmed income.

Income calculation

We’ll base income calculation on the finalised accounts, SA302s, accountant’s reference or tax calculation submitted to HMRC.

For limited company directors, we’ll use their salary and dividends. For sole trader/partnerships we’ll use net profit.

Proof of income required

  • Latest three years’ SA302s, finalised accounts or tax calculations submitted to HMRC.

Download our required documents on submission checklist.

Accountant representation

Applicants must be represented by an accountant with suitable qualifications:

  • Institute of Chartered Accountants in England and Wales (ICAEW): ACA qualified.
  • Association of Chartered Certified Accountants (ACCA): ACCA/FCCA qualified.
  • Chartered Institute of Management Accountants (CIMA): ACMA/FCMA qualified.
  • Association of Authorised Public Accountants (AAPA): AAPA qualified.
  • Chartered Institute of Taxation (CIOT): CTA qualified.
  • Institute of Certified Public Accountants (Ireland) CPA Ireland: CPA/FCPA qualified.
  • Association of International Accountants (AIA): AIA/FAIA qualified.
  • Institute of Financial Accountants (IFA): FFA/AFA qualified.
Shared ownership

Minimum loan: £50,000.

Maximum loan: £1,000,000.

Minimum property value: £125,000.

Minimum share: 25%.

Maximum share: 75%.

A full mortgagee protection clause (MPC) must be in place.

Applicants must use one of our approved panel solicitors.

We can lend up to 100% of the applicant’s share.

Further advances for shared ownership is only available for staircasing.

Must allow staircasing up to 100% ownership.

Source of deposit

The deposit should come from the applicant’s own resources. The applicant must provide the required level of deposit to meet the product requirements.

Family member gifted deposits

For a gifted deposit to be acceptable, the family member must be one of the following:

  • Spouse/civil partner.
  • Parents (including step-parents).
  • Grandparents.
  • Siblings (brother/sister).
  • Daughter/son.
  • Aunt/uncle.

Required documentation

A copy of our gift declaration form must be provided, to confirm:

  • The gift isn’t a loan.
  • The gift is non-refundable.
  • The donor won’t have interest in the property.

Should the gift originate from family living abroad, we require evidence of:

  • The funds showing in the applicant’s UK bank account.

Builders’ incentives

Builders’ incentives are acceptable.

Calculation

Builders’ incentives are deducted from the lower of the purchase price or valuation.

The loan amount is based on the resulting lower total.

Vendor deposit

Vendor deposits are acceptable.

Calculation

Vendor deposits are deducted from the lower of the purchase price or valuation.

The loan amount is based on the resulting lower total.

Standard residential valuation fees for new mortgage applications

Up to £250,000

 

£250,001 to £500,000

 

£500,001 to £1,000,000

 

£1,000,001 to £3,500,000

 

£3,500,001 to £5,000,000

 

£5,000,001+

Tenure

Freehold

Houses only, flats not accepted.

Leasehold properties

Minimum unexpired lease term

50 years at the end of the mortgage term.

Leasehold properties on an interest-only basis where the remaining lease term is less than 85 years will be accepted at a maximum 75% LTVLoan to value.

BDM finder

If you have a case that you think will be difficult to place, speak to your business development manager (BDM). Their expertise in our broader criteria could help you find the best way to handle complex cases.

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    Helen Comben

    Helen Comben

    I've been a business development manager for 17 years, with extensive knowledge of the residential and buy to let markets. I particularly enjoy the challenge of finding ways to help support a complex scenario an applicant may be facing, and helping you to place tricky cases.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Ste Murden

    I joined the Kent Reliance team in 2018 and have helped hundreds of brokers with their queries. If you can’t reach Helen, please feel free to contact me with your query.

    'BH', 'DT', 'GU', 'KT', 'RG', 'SL', 'SM', 'SO', 'SP', 'SW'
    Andrew Williams

    Andrew Williams

    I joined Kent Reliance in October 2015 and have over 20 years’ experience working with brokers in both the residential and buy to let market. I enjoy helping brokers with cases that may otherwise be difficult to place with other mainstream lenders.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Chloe Martin

    I joined the Kent Reliance team in 2019 and have helped hundreds of brokers with their queries. If you can’t reach Andy, please feel free to contact me with your query.

    'b', 'CV', 'DE', 'DY', 'IP', 'LE', 'LN', 'NG', 'NR', 'PE', 'ST', 'TF', 'WS', 'WV'
    Kate Welland

    Kate Welland

    I joined Kent Reliance in May 2019 from a previous business development position, which covered the whole of the Midlands. I have over 15 years of experience in the financial services industry with a background of senior underwriting experience. I have a passion for the mortgage intermediary market and enjoy working with our intermediary partners to build long-lasting relationships and to help find a solution to their clients’ complex mortgage needs.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Dan Thompson

    I joined the Kent Reliance team in 2021 and have helped hundreds of brokers with their queries. If you can’t reach Kate, please feel free to contact me with your query.

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    Susan Baillie

    Susan Baillie

    I joined Kent Reliance for Intermediaries in February 2018, and have over 10 years' experience working as a business development manager in the North of England. With residential mortgage enquiries becoming more complex, I pride myself in my expertise in understanding complex income cases, as well as supporting applicants with complications with their credit profile.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Adam Pegler

    I joined the Kent Reliance team in 2021 and have helped hundreds of brokers with their queries. If you can’t reach Susan, please feel free to contact me with your query.

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    Matthew Butt

    Matthew Butt

    I joined Kent Reliance for Intermediaries in 2018, having worked in the financial services sector for 10 years. My previous roles include seven years at Nationwide Building Society, before I moved to Virgin Money for the role of business development manager. It was here I looked after intermediaries in East London, Essex, Hertfordshire and Kent.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Ste Murden

    I joined the Kent Reliance team in 2018 and have helped hundreds of brokers with their queries. If you can’t reach Matt, please feel free to contact me with your query.

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    Sarah Hopkins

    Sarah Hopkins

    I joined Kent Reliance for Intermediaries in 2019. I've got a range of experience working across the lending function, which will enable me to help you with a variety of lending queries - no matter how complex a case may be.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Kim Scott

    I joined the Kent Reliance team in 2018 and have helped hundreds of brokers with their queries. If you can’t reach Sarah, please feel free to contact me with your query.

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    Ashley Duhaney

    Ashley Duhaney

    Ashley joined the team in 2020, having previously worked in our underwriting department. Ashley is well-versed in the industry, bringing a wealth of experience and knowledge in handling complex cases.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Jas Kaur

    I joined the Kent Reliance team in 2014 and have helped hundreds of brokers with their queries. If you cannot reach Ashley please feel free to contact me with your query.

    'AL', 'CB', 'CM', 'CO', 'HP', 'LU', 'MK', 'NN', 'OX', 'SG', 'SS'
    Nick O'Leary

    Nick O'Leary

    I joined Kent Reliance for Intermediaries in January 2021, after having worked at Precise Mortgage since in November 2018. I started in the industry in 2007 and became a qualified mortgage consultant at Connells in 2009. From then, I joined a large new-build brokerage in Leicester called Meridian, before deciding on a change of career path and become a BDM. I really enjoy interacting with brokers, helping them improve their knowledge and, most importantly, providing them with the solutions that help their customers.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Tracy Hill

    I joined the Kent Reliance team in 2019 and have helped hundreds of brokers with their queries. If you can’t reach Nick, please feel free to contact me with your query.

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    Joe Baxter

    Joe Baxter

    I’ve been working in financial services for the past five years, having transitioned into specialist lending since joining the group back in 2018. Throughout this time, I’ve developed a detailed understanding of the property market, having handled a large number of complex enquiries and challenging case situations over the years. I take pride in approaching every case with an open mind, assessing each one individually, and never treating two the same. This has served me well when taking on the most complex of cases, and will continue to do so at Kent Reliance for Intermediaries.

    If your BDM is in a meeting, try your dedicated broker liaison team contact…

    Broker Liaison Team

    Please contact our Broker Liaison Team on

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