Important Update:

Please note that due to scheduled essential maintenance, our broker portal will be unavailable between the hours of 5pm on Saturday 19 October and 12:05am on Monday 21 October 2019. We apologise for any inconvenience caused.

Product Finder

Prime mortgages

Prime residential mortgages are also available for applicants with complex income.

  • No adverse credit
  • Contractors and self-employed considered
    • Contractors considered up to 85% max LTV
    • Min loan £50,000 (or £100,000 over 75% LTV)
    • Max loan £500,000
    • Repayment options available
    • Part and part options available
    • Asset-backed interest-only options available
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 85% Discounted variable 2 3.42% 0.5%

No

01407 KRES1901
N/A 85% Fixed 2 3.37% 0.5%

Yes

01408 KRES1901
N/A 85% Fixed 5 3.77% 0.5%

Yes

01409 KRES19F5
N/A 90% Discounted variable 2 4.02% 0.5%

No

01410 KRES1901
N/A 90% Fixed 2 3.97% 0.5%

Yes

01411 KRES1901
N/A 90% Fixed 5 4.37% 0.5%

Yes

01412 KRES19F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 85% Discounted variable 3.42% 2 0.5%

No

01407 KRES1901
N/A 85% Fixed 3.37% 2 0.5%

Yes

01408 KRES1901
N/A 85% Fixed 3.77% 5 0.5%

Yes

01409 KRES19F5
N/A 90% Discounted variable 4.02% 2 0.5%

No

01410 KRES1901
N/A 90% Fixed 3.97% 2 0.5%

Yes

01411 KRES1901
N/A 90% Fixed 4.37% 5 0.5%

Yes

01412 KRES19F5

Terms and Conditions

At the end of any initial deal, the interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of interest rates and economic conditions.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

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 will not be charged but the existing rate will not apply to any additional funds that your client borrows.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

ERC percentage based on the remaining capital balance.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

Download the full mortgage terms and conditions.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

    • Repayment options available
    • Part and part options available
    • Asset-backed interest-only options available
    • Loans of £500k to £3m
    • Contractors considered up to 85% max LTV
    • Up to 90% LTV
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Discounted variable 2 3.42% 0.5%

No

01413 KRES1901
N/A 75% Fixed 2 3.37% 0.5%

Yes

01414 KRES1901
N/A 75% Fixed 5 3.77% 0.5%

Yes

01415 KRES19F5
N/A 85% Discounted variable 2 3.92% 0.5%

No

01416 KRES1901
N/A 85% Fixed 2 3.87% 0.5%

Yes

01417 KRES1901
N/A 85% Fixed 5 3.97% 0.5%

Yes

01418 KRES19F5
N/A 90% Discounted variable 2 4.02% 0.5%

No

01419 KRES1901
N/A 90% Fixed 2 3.97% 0.5%

Yes

01420 KRES1901
N/A 90% Fixed 5 4.37% 0.5%

Yes

01421 KRES19F5
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Discounted variable 3.42% 2 0.5%

No

01413 KRES1901
N/A 75% Fixed 3.37% 2 0.5%

Yes

01414 KRES1901
N/A 75% Fixed 3.77% 5 0.5%

Yes

01415 KRES19F5
N/A 85% Discounted variable 3.92% 2 0.5%

No

01416 KRES1901
N/A 85% Fixed 3.87% 2 0.5%

Yes

01417 KRES1901
N/A 85% Fixed 3.97% 5 0.5%

Yes

01418 KRES19F5
N/A 90% Discounted variable 4.02% 2 0.5%

No

01419 KRES1901
N/A 90% Fixed 3.97% 2 0.5%

Yes

01420 KRES1901
N/A 90% Fixed 4.37% 5 0.5%

Yes

01421 KRES19F5

Terms and Conditions

At the end of any initial deal, the interest rate will revert to the standard variable rate. The standard variable rate can vary in line with the general level of interest rates and economic conditions.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

A maximum LTV 75% applies for leasehold properties with an unexpired term of less than 85 years at application.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

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 will not be charged but the existing rate will not apply to any additional funds that your client borrows.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

ERC percentage based on the remaining capital balance.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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