Our brands

OneSavings Bank is made up of a family of specialist financial services businesses.

Each of our brands serves a distinct audience and need. Click on the logos below to find out more about each business.


The largest lending business in the Group, Kent Reliance, offers Buy-to-Let and first charge residential loans through intermediaries. With an emphasis on specialist Buy-to-Let products, Kent Reliance underwrites each case manually and regularly lends to Limited Companies and Limited Liability Partnerships (LLP).

Kent Reliance is also an established, stable and award-winning savings franchise. Its strong customer focus delivers high levels of customer satisfaction, resulting in strong customer loyalty and customer retention.

Visit the Kent Reliance website

Acquired in August 2012, InterBay Commercial is a specialist commercial and semi-commercial mortgage lender. Lending solely through intermediaries, the brand provides Buy-to-Let loans, alongside owner-occupied and investor commercial mortgages throughout England and Wales.

Visit the InterBay website

Leveraging an experienced and knowledgeable team, Heritable Development Finance provides specialist residential development finance to small and medium sized developers with a proven track record (commenced trading in January 2014).

With an emphasis on creating long-term relationships with developers, Heritable’s product range includes Residential Development Finance, Planning Gain Finance and Commercial Development loans.

Visit the Heritable Development Finance website

Prestige Finance is the longest standing second charge lender in the UK and was acquired by OneSavings Bank in September 2012. Lending exclusively through intermediaries, the brand following the lending code set out by the Finance and Leasing Association (FLA), of which it is an active member.

Visit the Prestige Finance website

Guernsey Home Loans has provided specialist residential and Buy-to-Let mortgages to its local market since 2005. The company aims to establish long-term, personal relationships with its customers and combines this approach with market expertise and quick decision making on applications.

Visit the Guernsey Home Loans website

Since its inception in 2002, Jersey Home Loans has provided its local market with specialist residential and Buy-to-Let mortgages. Jersey Home Loans differentiates itself from mainsteam lenders by building one-to-one relationships with its customers and providing flexible solutions for its customers.

Visit the Jersey Home Loans website

Based in Bangalore, India, and a wholly-owned subsidiary of OneSavings Bank, OSBI was established in 2004 to provide primary processing for our Kent Reliance, Jersey and Guernsey brands.

Visit the osbIndia website

Find out how our brands work together

Although our brands are individually run, we are still one family of brands working towards the same goals. See how our brands come together to make up our unique operating model.

Our business model

Find out more about our business model

Specialist lending

Find out more about our specialist lending