Product Finder

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 90% LTV available
    • Minimum property value £75,000
    • Available for purchases and remortgages (available from day one)
    • Rates from 3.24%
    • Maximum loan value £3m with more available by Sales team referral
MSV LTV Type Term Initial rate Fee Loan amounts ERC Product code
N/A 75% Fixed 2 3.24% £995

Max loan £750k

Yes

01680 KRES2106
N/A 75% Fixed 2 3.24% 0.5%

Min loan £200k, Max loan £3m

Yes

01694 KRES2106
N/A 75% Fixed 5 3.39% £995

Max loan £750k

Yes

01681 KRES2106
N/A 75% Fixed 5 3.39% 0.5%

Min loan £200k, Max loan £3m

Yes

01695 KRES2106
N/A 80% Fixed 2 3.49% £995

Max loan £750k

Yes

01682 KRES2106
N/A 80% Fixed 2 3.49% 0.5%

Min loan £200k, Max loan £3m

Yes

01696 KRES2106
N/A 80% Fixed 5 3.69% £995

Max loan £750k

Yes

01683 KRES2106
N/A 80% Fixed 5 3.69% 0.5%

Min loan £200k, Max loan £3m

Yes

01697 KRES2106
N/A 85% Fixed 2 3.99% £995

Max loan £750k

Yes

01684 KRES2106
N/A 85% Fixed 2 3.99% 0.5%

Min loan £200k, Max loan £3m

Yes

01698 KRES2106
N/A 85% Fixed 5 4.19% £995

Max loan £750k

Yes

01685 KRES2106
N/A 85% Fixed 5 4.19% 0.5%

Min loan £200k, Max loan £3m

Yes

01699 KRES2106
N/A 90% Fixed 2 4.49% £995

Max loan £750k

Yes

01686 KRES2106
N/A 90% Fixed 2 4.49% 0.5%

Min loan £200k, Max loan £3m

Yes

01700 KRES2106
N/A 90% Fixed 5 4.94% £995

Max loan £750k

Yes

01687 KRES2106
N/A 90% Fixed 5 4.94% 0.5%

Min loan £200k, Max loan £3m

Yes

01701 KRES2106
MSV LTV Type Initial rate Term Fee Loan amounts ERC Product code
N/A 75% Fixed 3.24% 2 £995

Max loan £750k

Yes

01680 KRES2106
N/A 75% Fixed 3.24% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01694 KRES2106
N/A 75% Fixed 3.39% 5 £995

Max loan £750k

Yes

01681 KRES2106
N/A 75% Fixed 3.39% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01695 KRES2106
N/A 80% Fixed 3.49% 2 £995

Max loan £750k

Yes

01682 KRES2106
N/A 80% Fixed 3.49% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01696 KRES2106
N/A 80% Fixed 3.69% 5 £995

Max loan £750k

Yes

01683 KRES2106
N/A 80% Fixed 3.69% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01697 KRES2106
N/A 85% Fixed 3.99% 2 £995

Max loan £750k

Yes

01684 KRES2106
N/A 85% Fixed 3.99% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01698 KRES2106
N/A 85% Fixed 4.19% 5 £995

Max loan £750k

Yes

01685 KRES2106
N/A 85% Fixed 4.19% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01699 KRES2106
N/A 90% Fixed 4.49% 2 £995

Max loan £750k

Yes

01686 KRES2106
N/A 90% Fixed 4.49% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01700 KRES2106
N/A 90% Fixed 4.94% 5 £995

Max loan £750k

Yes

01687 KRES2106
N/A 90% Fixed 4.94% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01701 KRES2106

Minimum loan size £50,000 unless stated above. When the LTV exceeds 75% a minimum loan size of £100,000 is applicable.

Asset backed interest only available up to 85% LTV.

 

Acceptable credit criteria

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

 

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 85% LTV available
    • Supporting customers with less than perfect credit
    • Available for purchases and remortgages (available from day one)
    • Rates from 3.49%
    • Minimum property value £75,000
    • Maximum loan value £3m with more available by Sales team referral
MSV LTV Type Term Initial rate Fee Loan amounts ERC Product code
N/A 75% Fixed 2 3.49% £995

Max loan £750k

Yes

01688 KNPA2106
N/A 75% Fixed 2 3.49% 0.5%

Min loan £200k, Max loan £3m

Yes

01702 KNPA2106
N/A 75% Fixed 5 3.74% £995

Max loan £750k

Yes

01689 KNPA2106
N/A 75% Fixed 5 3.74% 0.5%

Min loan £200k, Max loan £3m

Yes

01703 KNPA2106
N/A 80% Fixed 2 3.79% £995

Max loan £750k

Yes

01690 KNPA2106
N/A 80% Fixed 2 3.79% 0.5%

Min loan £200k, Max loan £3m

Yes

01704 KNPA2106
N/A 80% Fixed 5 4.19% £995

Max loan £750k

Yes

01691 KNPA2106
N/A 80% Fixed 5 4.19% 0.5%

Min loan £200k, Max loan £3m

Yes

01705 KNPA2106
N/A 85% Fixed 2 4.29% £995

Max loan £750k

Yes

01692 KNPA2106
N/A 85% Fixed 2 4.29% 0.5%

Min loan £200k, Max loan £3m

Yes

01706 KNPA2106
N/A 85% Fixed 5 4.69% £995

Max loan £750k

Yes

01693 KNPA2106
N/A 85% Fixed 5 4.69% 0.5%

Min loan £200k, Max loan £3m

Yes

01707 KNPA2106
MSV LTV Type Initial rate Term Fee Loan amounts ERC Product code
N/A 75% Fixed 3.49% 2 £995

Max loan £750k

Yes

01688 KNPA2106
N/A 75% Fixed 3.49% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01702 KNPA2106
N/A 75% Fixed 3.74% 5 £995

Max loan £750k

Yes

01689 KNPA2106
N/A 75% Fixed 3.74% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01703 KNPA2106
N/A 80% Fixed 3.79% 2 £995

Max loan £750k

Yes

01690 KNPA2106
N/A 80% Fixed 3.79% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01704 KNPA2106
N/A 80% Fixed 4.19% 5 £995

Max loan £750k

Yes

01691 KNPA2106
N/A 80% Fixed 4.19% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01705 KNPA2106
N/A 85% Fixed 4.29% 2 £995

Max loan £750k

Yes

01692 KNPA2106
N/A 85% Fixed 4.29% 2 0.5%

Min loan £200k, Max loan £3m

Yes

01706 KNPA2106
N/A 85% Fixed 4.69% 5 £995

Max loan £750k

Yes

01693 KNPA2106
N/A 85% Fixed 4.69% 5 0.5%

Min loan £200k, Max loan £3m

Yes

01707 KNPA2106

Minimum loan size £50,000 unless stated above. When the LTV exceeds 75% a minimum loan size of £100,000 is applicable.

Asset backed interest only available up to 85% LTV.

Shared ownership products now available - find out more.

 

Acceptable credit criteria

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

 

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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