Buy to let

Residential

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Minimum loan £50,000
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Maximum loan £1,500,000
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Available for purchase and remortgage, including day one remortgages
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£75,000 minimum property value
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Fixed and percentage fee options
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No maximum loan amount
icon
Available for purchase and remortgage, including day one remortgages
icon
£75,000 minimum property value
icon
Fixed and percentage fee options
icon
Maximum loan £1,500,000
icon
Available for purchase and remortgage, including day one remortgages
icon
£75,000 minimum property value
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Option to add fees
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Flexible underwriting
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Available in England and Wales
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£125k min property value
Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon 90% LTV close icon 95% LTV close icon
LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 years fixed 5.99% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02960 KRES2408 Apply
75% 5 years fixed 5.59% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02961 KRES2408 Apply
80% 2 years fixed 6.04% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02962 KRES2408 Apply
80% 5 years fixed 5.64% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02963 KRES2408 Apply
85% 2 years fixed 6.44% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02964 KRES2408 Apply
85% 5 years fixed 5.94% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02965 KRES2408 Apply
90% 2 years fixed 6.79% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02966 KRES2408 Apply
90% 5 years fixed 6.34% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02967 KRES2408 Apply
95% 2 years fixed 7.19% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02968 KRES2408 Apply
95% 5 years fixed 6.84% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02969 KRES2408 Apply
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Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon 90% LTV close icon
LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 years fixed 6.19% £995

4%, 3%

£50,000 min loan
No max loan

 7.24% 02970 KNPA2408 Apply
75% 5 years fixed 5.79% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 7.24% 02971 KNPA2408 Apply
80% 2 years fixed 6.24% £995

4%, 3%

£50,000 min loan
No max loan

 7.24% 02972 KNPA2408 Apply
80% 5 years fixed 5.84% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 7.24% 02973 KNPA2408 Apply
85% 2 years fixed 6.64% £995

4%, 3%

£50,000 min loan
No max loan

 7.24% 02974 KNPA2408 Apply
85% 5 years fixed 6.14% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 7.24% 02975 KNPA2408 Apply
90% 2 years fixed 6.99% £995

4%, 3%

£50,000 min loan
No max loan

 7.24% 02976 KNPA2408 Apply
90% 5 years fixed 6.54% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
No max loan

 7.24% 02977 KNPA2408 Apply
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Filters:
75% LTV close icon 80% LTV close icon 85% LTV close icon
LTV Product Type Rate Fee ERC Loan amounts Reversion rate Product code
75% 2 years fixed 6.54% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02978 KNPC2408 Apply
75% 5 years fixed 6.14% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02979 KNPC2408 Apply
80% 2 years fixed 6.59% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02980 KNPC2408 Apply
80% 5 years fixed 6.19% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02981 KNPC2408 Apply
85% 2 years fixed 6.99% £995

4%, 3%

£50,000 min loan
£1,500,000 max loan

 7.24% 02982 KNPB2408 Apply
85% 5 years fixed 6.49% £995

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,500,000 max loan

 7.24% 02983 KNPB2408 Apply
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Filters:
75% LTV close icon
LTV MSV Product Type Rate Fee ERC Loan amounts Product code
75% 90% 2 years fixed 6.44% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 02984 KSHO2408 Apply
75% 95% 2 years fixed 6.49% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 02985 KSHO2408 Apply
75% 100% 2 years fixed 6.54% £0

4%, 3%

£50,000 min loan
£1,000,000 max loan

 02986 KSHO2408 Apply
75% 90% 5 years fixed 6.14% £0

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,000,000 max loan

 02987 KSHO2408 Apply
75% 95% 5 years fixed 6.19% £0

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,000,000 max loan

 02988 KSHO2408 Apply
75% 100% 5 years fixed 6.24% £0

4%, 4%, 3%,
3%, 2%

£50,000 min loan
£1,000,000 max loan

 02989 KSHO2408 Apply
Load moreresidetlsdownarr
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Revert rate: BBR + 2.24%
Bank of England Base Rate (BBR): 5.00%
Application fee: £145

 

Acceptable credit criteria

Revert rate: BBR + 2.24%
Bank of England Base Rate (BBR): 5.00%
Application fee: £145

 

Acceptable credit criteria

Revert rate: BBR + 2.24%
Bank of England Base Rate (BBR): 5.00%
Application fee: £145

 

Acceptable credit criteria

Client share: 10%-75% of the property value
Revert rate: BBR + 2.24%
Bank of England Base Rate (BBR): 5.00%
Application fee: £145

 

Acceptable credit criteria

Providing flexible solutions for your clients

We can support a wide range of client types. Whether they’re a newly qualified doctor taking their first steps in the medical profession or a sole trading electrician with years of experience under their belt, our common-sense, manual underwriting provides the flexibility to consider every income type on its own merits, helping provide handcrafted solutions.

We consider 100% of secondary income in many scenarios.

We accept multi-source income from employment, self-employment or a combination of both.

We accept earnings from professional landlords as a full time income source.

Properties bought for cash and renovated to increase their value can be considered for remortgaging within six months of ownership providing this can be fully evidenced.

We accept applications with a minimum of 1 years’ accounts.

We can work on a projection for year two based on an uplift of up to 30% of the first year’s figures.

For your high net worth clients we have options available with no maximum loan amount.

Complex income sources such as sportspersons, musicians and actors are understood and considered.

We can consider lending up to £1m at up to 100% market share value on our shared ownership products.

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.

See moreresidownarrow

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

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.

See moreresidownarrow

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

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.

See moreresidownarrow

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

Terms and conditions

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

ERCs may be incurred for full redemption or repayment of capital.

LTV quoted above relates to the share purchased LTV not full value.

These products are only available on a repayment basis.

See moreresidownarrow

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 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 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).

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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