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Residential mortgage products

Our range of residential mortgages could provide solutions for clients looking to make that next step. With lower rates across our product range, we now offer fixed arrangement fees of £995 on our prime and near prime residential loans.

See how our products, combined with our common-sense lending, manual underwriting and individual case assessments, could help get your clients moving.

    • Up to 75% LTV available
    • Fixed £995 arrangement fee
    • Rates from 3.29%
    • Available for purchases and remortgages
    • Minimum property value £75,000
    • Maximum loan value £1m
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.29% £995

Yes

01649 KRES2009
N/A 75% Fixed 5 3.49% £995

Yes

01650 KRES2009
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.29% 2 £995

Yes

01649 KRES2009
N/A 75% Fixed 3.49% 5 £995

Yes

01650 KRES2009

 

Find out how we can support your customers with furlough payments, bounce back loans and CBILS here.

Acceptable credit profile

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

Ignore CCJ/default criteria: <£300 in total and satisfied prior to application

 

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

 

Exclusions

The following exclusions apply:

  • No debt management plans
  • IVA
  • DRO
  • Bankruptcy
  • Repossessions

 

Residential products now revert to Bank of England Base Rate (BBR) trackers

On expiry of the fixed rate product, the mortgage will revert to a rate of interest which will be at a variable rate above the Bank of England Base Rate (“BBR”) for the remainder of the loan. The rate will move up and down in line with BBR but if BBR falls below 0.00% the rate the customer is charged won’t change. Please refer to individual products for details on the rates applicable.

 

Important note regarding 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.

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.

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 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

    • Up to 75% LTV available
    • Fixed £995 arrangement fee
    • Rates from 3.69%
    • Available for purchases and remortgages
    • Minimum property value £75,000
    • Maximum loan value £1m
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.69% £995

Yes

01651 KNPA2009
N/A 75% Fixed 5 3.79% £995

Yes

01652 KNPA2009
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.69% 2 £995

Yes

01651 KNPA2009
N/A 75% Fixed 3.79% 5 £995

Yes

01652 KNPA2009

 

Find out how we can support your customers with furlough payments, bounce back loans and CBILS here.

Shared ownership products now available - find out more.

Acceptable credit profile

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

Ignore CCJ/default criteria: <£300 in total & satisfied >12 months prior to application OR registered >24 months whether satisfied or not

 

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

 

Exclusions

The following exclusions apply:

  • No debt management plans
  • IVA
  • DRO
  • Bankruptcy
  • Repossessions

 

Residential products now revert to Bank of England Base Rate (BBR) trackers

On expiry of the fixed rate product, the mortgage will revert to a rate of interest which will be at a variable rate above the Bank of England Base Rate (“BBR”) for the remainder of the loan. The rate will move up and down in line with BBR but if BBR falls below 0.00% the rate the customer is charged won’t change. Please refer to individual products for details on the rates applicable.

 

Important note regarding 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.

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.

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 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

    • Up to 75% LTV available
    • Minimum loan £1m
    • Maximum loan value £3m
    • Residential products now revert to BBR trackers
    • Available in England and Wales
MSV LTV Mortgage type Term Initial rate Product fee ERC Product code
N/A 75% Fixed 2 3.69% 0.5%

Yes

01647 KRES2008
N/A 75% Fixed 5 3.79% 0.5%

Yes

01648 KRES2008
MSV LTV Type Rate Term Product fee ERC Product code
N/A 75% Fixed 3.69% 2 0.5%

Yes

01647 KRES2008
N/A 75% Fixed 3.79% 5 0.5%

Yes

01648 KRES2008

 

Find out how we can support your customers with furlough payments, bounce back loans and CBILS here.

Acceptable credit profile

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

Ignore CCJ/default criteria: <£300 in total and satisfied prior to application

 

If you have an existing application

If you currently have a case in progress where the valuation fees have been paid, the case fits our new criteria, and you wish to take advantage of the new products, please contact us to change the product.

Please speak to your BDM for more information.

 

Exclusions

The following exclusions apply:

  • No debt management plans
  • IVA
  • DRO
  • Bankruptcy
  • Repossessions

 

Residential products now revert to Bank of England Base Rate (BBR) trackers

On expiry of the fixed rate product, the mortgage will revert to a rate of interest which will be at a variable rate above the Bank of England Base Rate (“BBR”) for the remainder of the loan. The rate will move up and down in line with BBR but if BBR falls below 0.00% the rate the customer is charged won’t change. Please refer to individual products for details on the rates applicable.

 

Important note regarding 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.

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.

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 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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