Product transfer - Residential
Our product transfer rates for customers switching their mortgage.
Earn a proc fee
No underwriting assessment required
Our simple product finder lets you search a range of personalised rates, based on your customer’s profile. To get started, enter your customer’s account number and property address postcode.
If you don't have or don't know your account number, Click here
No account number available
We offer personalised retention rates. The rate available to your customer may differ from the rates shown. Please contact our customer service team for assistance.
Contact Information:
Email: brokertransfers@osb.co.uk
Phone: 01634 835791
Hours: Monday-Friday 9am-5pm, (closed on weekends and bank holidays).
Terms and conditions
At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.
This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.
If your customer 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 ÂŁ499 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 customer 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All mortgage products are subject to availability of funds and can be withdrawn at any time.
For interest-only or part repayment/part interest-only, it's your customer'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 CUSTOMER'S HOME MAY BE REPOSSESSED IF THEY DON'T KEEP UP REPAYMENTS ON THEIR MORTGAGE
Important
If you're applying for a product transfer to coincide with the expiry of an existing product, then you'll 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're 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'll 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 first 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.
Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.
Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.
If you require advice, we'd suggest speaking to your mortgage adviser. If you don't have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Our simple product finder lets you search a range of personalised rates, based on your customer’s profile. To get started, enter your customer’s account number and property address postcode.
If you don't have or don't know your account number, Click here
No account number available
We offer personalised retention rates. The rate available to your customer may differ from the rates shown. Please contact our customer service team for assistance.
Contact Information:
Email: brokertransfers@osb.co.uk
Phone: 01634 835791
Hours: Monday-Friday 9am-5pm, (closed on weekends and bank holidays).
Terms and conditions
At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.
This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.
If your customer 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 ÂŁ499 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 customer 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.
For interest-only or part repayment/part interest-only, it's your customer'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 CUSTOMER'S HOME MAY BE REPOSSESSED IF THEY DON'T KEEP UP REPAYMENTS ON THEIR MORTGAGE
Important
If you're applying for a product transfer to coincide with the expiry of an existing product, then you'll 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're 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'll 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 first 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.
Kent Reliance is not authorised by the Financial Conduct Authority to provide advice on what mortgage product is most suitable for you. Any assistance we provide is strictly limited to basic information and administration of your request.
Kent Reliance is providing you with this information on an execution-only basis, that is, no advice has been provided. In provision of this service Kent Reliance is not required to assess the suitability of this regulated mortgage contract, changes or transactions and you will not benefit from the protection of the Financial Conduct Authority's rules on assessing suitability.
If you require advice, we'd suggest speaking to your mortgage adviser. If you don't have a mortgage adviser, then the website unbiased.co.uk can provide lists of mortgage advisers in your local area.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE