Product Finder

Residential mortgage products

With our flexible solutions available for a variety of clients including young professionals, the self-employed, entrepreneurs, high net worth individuals or those with a complex income, our underwriters can consider cases that fall outside of standard criteria.

You can see our latest residential mortgage products below, but we’d always recommend getting in touch with one of our BDMs to discuss your case.

Residential product finder:

Use our quick, simple tool to find the product best suited to your client's profile

CCJs
Defaults
Missed mortgage/ secured loan payments
IVA/DRO/bankruptcy

Core residential mortgage range

Tier_1

    • Rates from 3.64%
    • Up to 90% LTV
    • Fixed and percentage fee options
    • No maximum loan amount on selected products
    • Available for purchase and remortgage, including day one remortgages
    • £75,000 minimum property value
MSV LTV type Term Initial rate fee ERC Product code
N/A 75% Fixed 2 3.64% £995

Yes

01940 KNPA2206
N/A 75% Fixed 5 4.09% £995

Yes

01941 KNPA2206
N/A 75% Fixed 2 3.64% 0.25%

Yes

01942 KNPA2206
N/A 75% Fixed 5 4.09% 0.25%

Yes

01943 KNPA2206
N/A 80% Tracker 2 3.74% £995

Yes

01944 KNPA2206
N/A 80% Fixed 2 3.94% £995

Yes

01945 KNPA2206
N/A 80% Fixed 5 4.39% £995

Yes

01946 KNPA2206
N/A 80% Tracker 2 3.74% 0.25%

Yes

01947 KNPA2206
N/A 80% Fixed 2 3.94% 0.25%

Yes

01948 KNPA2206
N/A 80% Fixed 5 4.39% 0.25%

Yes

01949 KNPA2206
N/A 85% Tracker 2 4.14% £995

Yes

01950 KNPA2206
N/A 85% Fixed 2 4.34% £995

Yes

01951 KNPA2206
N/A 85% Fixed 5 4.89% £995

Yes

01952 KNPA2206
N/A 85% Tracker 2 4.14% 0.25%

Yes

01953 KNPA2206
N/A 85% Fixed 2 4.34% 0.25%

Yes

01954 KNPA2206
N/A 85% Fixed 5 4.89% 0.25%

Yes

01955 KNPA2206
N/A 90% Tracker 2 4.89% £995

Yes

01956 KNPA2206
N/A 90% Fixed 2 5.09% £995

Yes

01957 KNPA2206
N/A 90% Fixed 5 5.39% £995

Yes

01958 KNPA2206
N/A 90% Tracker 2 4.89% 0.25%

Yes

01959 KNPA2206
N/A 90% Fixed 2 5.09% 0.25%

Yes

01960 KNPA2206
N/A 90% Fixed 5 5.39% 0.25%

Yes

01961 KNPA2206
MSV LTV Type Rate Term Fee ERC Product code
N/A 75% Fixed 3.64% 2 £995

Yes

01940 KNPA2206
N/A 75% Fixed 4.09% 5 £995

Yes

01941 KNPA2206
N/A 75% Fixed 3.64% 2 0.25%

Yes

01942 KNPA2206
N/A 75% Fixed 4.09% 5 0.25%

Yes

01943 KNPA2206
N/A 80% Tracker 3.74% 2 £995

Yes

01944 KNPA2206
N/A 80% Fixed 3.94% 2 £995

Yes

01945 KNPA2206
N/A 80% Fixed 4.39% 5 £995

Yes

01946 KNPA2206
N/A 80% Tracker 3.74% 2 0.25%

Yes

01947 KNPA2206
N/A 80% Fixed 3.94% 2 0.25%

Yes

01948 KNPA2206
N/A 80% Fixed 4.39% 5 0.25%

Yes

01949 KNPA2206
N/A 85% Tracker 4.14% 2 £995

Yes

01950 KNPA2206
N/A 85% Fixed 4.34% 2 £995

Yes

01951 KNPA2206
N/A 85% Fixed 4.89% 5 £995

Yes

01952 KNPA2206
N/A 85% Tracker 4.14% 2 0.25%

Yes

01953 KNPA2206
N/A 85% Fixed 4.34% 2 0.25%

Yes

01954 KNPA2206
N/A 85% Fixed 4.89% 5 0.25%

Yes

01955 KNPA2206
N/A 90% Tracker 4.89% 2 £995

Yes

01956 KNPA2206
N/A 90% Fixed 5.09% 2 £995

Yes

01957 KNPA2206
N/A 90% Fixed 5.39% 5 £995

Yes

01958 KNPA2206
N/A 90% Tracker 4.89% 2 0.25%

Yes

01959 KNPA2206
N/A 90% Fixed 5.09% 2 0.25%

Yes

01960 KNPA2206
N/A 90% Fixed 5.39% 5 0.25%

Yes

01961 KNPA2206

Shared ownership products now available - find out more.

 

Acceptable credit criteria

* All CCJs and defaults must be paid prior to the application

 

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

Residential mortgage products for clients who need extra flexibility

Tier_2

    • Rates from 4.59%
    • Up to 85% LTV
    • Fixed and percentage fee options
    • No maximum loan amount on selected products
    • Available for purchase and remortgage, including day one remortgages
    • £75,000 minimum property value
MSV LTV type Term Initial rate fee ERC Product code
N/A 75% Fixed 2 4.59% £995

Yes

01962 KNPC2206
N/A 75% Fixed 5 4.99% £995

Yes

01963 KNPC2206
N/A 75% Fixed 2 4.59% 0.25%

Yes

01964 KNPC2206
N/A 75% Fixed 5 4.99% 0.25%

Yes

01965 KNPC2206
N/A 80% Tracker 2 4.69% £995

Yes

01966 KNPC2206
N/A 80% Fixed 2 4.89% £995

Yes

01967 KNPC2206
N/A 80% Fixed 5 5.29% £995

Yes

01968 KNPC2206
N/A 80% Tracker 2 4.69% 0.25%

Yes

01969 KNPC2206
N/A 80% Fixed 2 4.89% 0.25%

Yes

01970 KNPC2206
N/A 80% Fixed 5 5.29% 0.25%

Yes

01971 KNPC2206
N/A 85% Tracker 2 5.19% £995

Yes

01972 KNPB2206
N/A 85% Fixed 2 5.39% £995

Yes

01973 KNPB2206
N/A 85% Fixed 5 5.79% £995

Yes

01974 KNPB2206
N/A 85% Tracker 2 5.19% 0.25%

Yes

01975 KNPB2206
N/A 85% Fixed 2 5.39% 0.25%

Yes

01976 KNPB2206
N/A 85% Fixed 5 5.79% 0.25%

Yes

01977 KNPB2206
MSV LTV Type Rate Term Fee ERC Product code
N/A 75% Fixed 4.59% 2 £995

Yes

01962 KNPC2206
N/A 75% Fixed 4.99% 5 £995

Yes

01963 KNPC2206
N/A 75% Fixed 4.59% 2 0.25%

Yes

01964 KNPC2206
N/A 75% Fixed 4.99% 5 0.25%

Yes

01965 KNPC2206
N/A 80% Tracker 4.69% 2 £995

Yes

01966 KNPC2206
N/A 80% Fixed 4.89% 2 £995

Yes

01967 KNPC2206
N/A 80% Fixed 5.29% 5 £995

Yes

01968 KNPC2206
N/A 80% Tracker 4.69% 2 0.25%

Yes

01969 KNPC2206
N/A 80% Fixed 4.89% 2 0.25%

Yes

01970 KNPC2206
N/A 80% Fixed 5.29% 5 0.25%

Yes

01971 KNPC2206
N/A 85% Tracker 5.19% 2 £995

Yes

01972 KNPB2206
N/A 85% Fixed 5.39% 2 £995

Yes

01973 KNPB2206
N/A 85% Fixed 5.79% 5 £995

Yes

01974 KNPB2206
N/A 85% Tracker 5.19% 2 0.25%

Yes

01975 KNPB2206
N/A 85% Fixed 5.39% 2 0.25%

Yes

01976 KNPB2206
N/A 85% Fixed 5.79% 5 0.25%

Yes

01977 KNPB2206

Shared ownership products now available - find out more.

 

Acceptable credit criteria

* All CCJs and defaults must be paid prior to the application

 

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

Residential mortgage products for clients who need extra flexibility

Tier_3

    • Rates from 4.59%
    • Up to 80% LTV
    • Fixed and percentage fee options
    • No maximum loan amount on selected products
    • Available for purchase and remortgage, including day one remortgages
    • £75,000 minimum property value
MSV LTV type Term Initial rate fee ERC Product code
N/A 75% Fixed 2 4.59% £995

Yes

01962 KNPC2206
N/A 75% Fixed 5 4.99% £995

Yes

01963 KNPC2206
N/A 75% Fixed 2 4.59% 0.25%

Yes

01964 KNPC2206
N/A 75% Fixed 5 4.99% 0.25%

Yes

01965 KNPC2206
N/A 80% Tracker 2 4.69% £995

Yes

01966 KNPC2206
N/A 80% Fixed 2 4.89% £995

Yes

01967 KNPC2206
N/A 80% Fixed 5 5.29% £995

Yes

01968 KNPC2206
N/A 80% Tracker 2 4.69% 0.25%

Yes

01969 KNPC2206
N/A 80% Fixed 2 4.89% 0.25%

Yes

01970 KNPC2206
N/A 80% Fixed 5 5.29% 0.25%

Yes

01971 KNPC2206
MSV LTV Type Rate Term Fee ERC Product code
N/A 75% Fixed 4.59% 2 £995

Yes

01962 KNPC2206
N/A 75% Fixed 4.99% 5 £995

Yes

01963 KNPC2206
N/A 75% Fixed 4.59% 2 0.25%

Yes

01964 KNPC2206
N/A 75% Fixed 4.99% 5 0.25%

Yes

01965 KNPC2206
N/A 80% Tracker 4.69% 2 £995

Yes

01966 KNPC2206
N/A 80% Fixed 4.89% 2 £995

Yes

01967 KNPC2206
N/A 80% Fixed 5.29% 5 £995

Yes

01968 KNPC2206
N/A 80% Tracker 4.69% 2 0.25%

Yes

01969 KNPC2206
N/A 80% Fixed 4.89% 2 0.25%

Yes

01970 KNPC2206
N/A 80% Fixed 5.29% 5 0.25%

Yes

01971 KNPC2206

Shared ownership products now available - find out more.

 

Acceptable credit criteria

* All CCJs and defaults must be paid prior to the application

 

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

Standard residential mortgage range

Tier_4

    • Up to 95% LTV available
    • Minimum loan £100,000
    • Maximum loan £1,500,000
    • Rates from 4.59%
    • Available for purchases and remortgages (available from day one)
MSV LTV type Term Initial rate fee ERC Product code
N/A 90% Fixed 2 4.59% £995

Yes

01978 KRES2206
N/A 90% Fixed 5 4.89% £995

Yes

01979 KRES2206
N/A 95% Fixed 2 5.29% £995

Yes

01980 KRES2206
N/A 95% Fixed 5 5.49% £995

Yes

01981 KRES2206
MSV LTV Type Rate Term Fee ERC Product code
N/A 90% Fixed 4.59% 2 £995

Yes

01978 KRES2206
N/A 90% Fixed 4.89% 5 £995

Yes

01979 KRES2206
N/A 95% Fixed 5.29% 2 £995

Yes

01980 KRES2206
N/A 95% Fixed 5.49% 5 £995

Yes

01981 KRES2206

 

To find out more about the types of professions we'll consider click here.

 

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

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