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.

The Bank acquired Charter Court Financial Services Group Plc (CCFS) and its subsidiary businesses on 4 October 2019.

 

 

Buy-to-Let mortgages

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.

Commercial mortgages

We provide loans to limited companies and individuals, secured on commercial and semi-commercial properties held for investment purposes or for owner-occupation.

Residential development

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.

Funding lines

We provide funding lines (loans) to non-bank finance companies secured against portfolios of financial assets, principally mortgages and leases.

Asset finance

We provide loans under hire purchase, leasing and refinancing arrangements to UK SMEs and small corporates to finance business-critical assets.

Bridging finance

We offer a short term borrowing solution to customers who need to facilitate a deal on a fast turnaround.

First charge

We provide loans to individuals, secured by a first charge against their residential home. Our target market includes high net worth, complex income and self-employed 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.

Second charge

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.

Funding lines

We provide funding lines to non-bank lenders who operate in high yielding, specialist subsegments such as residential bridge finance.

Online

We attract retail savings deposits through our Kent Reliance and Charter Savings Bank brands. 

Direct

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.

Our brands

Find out more about our specialist brands

Our Board of Directors

Find out more about our leadership team