Our story so far

Our beliefs

When it comes to commercial mortgages we are the experts. We pride ourselves in providing innovative solutions in complex cases that other lenders lack the appetite to handle.

We believe that when it comes to commercial and Buy to Let mortgages, there’s no such thing as one size fits all. That’s why we always look at the small details as well as the bigger picture – and, because we have the financial support of OneSavings Bank plc, we have the means to achieve our ambition to become the UK’s most trusted provider of commercial and specialist Buy to Let mortgages.

Our parent company

OneSavings Bank is a specialist lender focused on carefully selected sub-sectors of the lending market. Its main focus is specialist mortgage products, supported by an established and stable retail savings franchise. Its dedication to building long-term customer relationships has consistently delivered high customer satisfaction scores.

OneSavings Bank plc (‘OSB’) began trading as a bank on 1 February 2011 and was admitted to the main market of the London Stock Exchange in June 2014 (OSB.L). OSB joined the FTSE 250 index in June 2015.

OSB is a specialist lending and retail savings group authorised by the Prudential Regulation Authority, part of the Bank of England, and regulated by the Financial Conduct Authority and Prudential Regulation Authority.

OSB primarily targets underserved market sub-sectors that offer high growth potential and attractive risk-adjusted returns in which it can take a leading position and where it has established expertise, platforms and capabilities. These include private rented sector Buy-to-Let, commercial and semi-commercial mortgages, residential development finance, bespoke and specialist residential lending and secured funding lines. OSB originates organically through specialist brokers and independent financial advisers. It is differentiated through its use of high skilled, bespoke underwriting and unique low cost base.

OSB is predominantly funded by retail savings originated through the long established Kent Reliance name, which includes online and postal channels, as well as a network of branches in the South East of England. Diversification of funding is currently provided by securitisation and participation in the Funding for Lending Scheme.

Our partners

To give you and your clients peace of mind, our lending is conducted through specialist financial providers. Carefully selected for their heritage and reliability, these Key Partners ensure that we provide the security and flexibility you need from day one. For help finding the right Key Partner for your financial needs please call 0345 878 7000.