Our business at a glance
OneSavings Bank is a specialist lender, primarily focused on carefully selected sub-sectors of the mortgage market. Our specialist lending is supported by a stable retail savings franchise with over 150 years of heritage.
We provide loans to limited companies and individuals, secured on residential property held for investment purposes. Our target market is experienced and professional landlords or high net worth individuals with established and extensive property portfolios.
We provide loans to limited companies and individuals, secured on commercial and semi-commercial properties held for investment purposes or for owner-occupation.
We provide development loans to small and medium-sized developers of residential property. Loans are staged, with monitoring surveyors signing off each stage of the development before funds are released.
We provide funding lines (loans) to non-bank finance companies secured against portfolios of financial assets, principally mortgages and leases.
We provide loans under hire purchase, leasing and refinancing arrangements to UK SMEs and small corporates to finance business-critical assets.
We provide loans to individuals, secured by a first charge against their residential home. Our target market includes high net worth and complex income customers.
We are also experts in shared ownership, lending to first-time buyers and key workers buying a property in conjunction with a housing association.
We provide loans to individuals seeking to raise additional funds secured by a second charge against their residential home.
We predominantly target good credit quality borrowers.
We provide funding lines to non-bank lenders who operate in high yielding, specialist subsegments such as residential bridge finance.
We attract retail savings deposits via the internet.
The direct channel sources savings products via telephone and post.
High Street Branches
Our Kent Reliance branded network operates in the South East of England and offers a variety of fixed, notice, easy access and regular savings products, including ISAs.