What we do and our brands
Select a service below to find out what brands support that service
- Buy to Let/SME
- Residential
- Second charge
- Commercial
- Bridging
- Asset finance
- Retail savings
- OSBI
Buy to Let/SME
Our buy to let lending proposition is aimed at experienced, professional and portfolio landlords as well as limited companies. We also lend on HMOs/MUFBs and support first-time landlords.
Residential
We specifically tailor our products to suit specialist/complex residential cases that need an alternative option than a high street lender. We support clients with a less than perfect credit history or non-standard income through to first-time buyers using Help to Buy or shared ownership schemes.
Second charge
We provide loans to those looking to raise additional funds by releasing equity from their existing residential property.
Commercial
We provide loans to limited companies and individuals, secured on commercial and semi-commercial properties held for investment purposes or for owner occupation.
Bridging
Regulated bridging finance options are available for those who want to use their residential property as security to raise funds, or we can offer non-regulated options for those wishing to expand their portfolio.
Asset finance
We provide loans under hire purchase, leasing and refinancing arrangements to UK SMEs and small corporates to finance business-critical assets.
Retail savings
Kent Reliance and Charter Savings Bank offer a variety of savings products, including bonds and ISAs. Kent Reliance operates a network of branches in the South East as well as online and postal accounts while Charter Savings Bank offers a variety of competitive online and postal savings products and is also present in the pooled deposits market.
OSBI
OSB India (OSBI) is a wholly owned subsidiary based in Banglalore, India. OSBI supports various functions including customer services, support services, operations, IT, finance and human resources.
Our history from the begining
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1986
Kent Reliance Building Society established, incorporating Chatham Reliance (1898), Dover District (1861), Herne Bay (1888), Kent and Canterbury (1847)
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2002
Jersey Home Loans business is created from a mortgage book acquired from Grindlays Bank
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2004
OSB India (then Easiprocess) becomes the first offshore subsidiary of Kent Reliance providing operational support
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2008
Charter Court Financial Services is founded by many of its current management team, with Ian Lonergan as CEO
Exact Mortgage Experts launched in 2008
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2010
Precise Mortgages began lending and boarded its first special servicing portfolio for a major investment bank
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2011
Kent Reliance Building Society transferred its business to a new bank, OSB
Precise Mortgages introduced bridging lending
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2012
Prestige Finance provider of secured loans, joins OSB
OneSavings Bank Andy Golding becomes CEO of OneSavings Bank
InterBay Commercial a commercial and buy to let mortgage lender joins OSB
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2013
Precise Mortgages introduced second charge lending
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2014
OneSavings Bank floated on the London Stock Market at 170p
Heritable Development Finance joins OSB
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2015
Charter Savings Bank is launched - Banking licence awarded to CCFS
OneSavings Bank entered the FTSE 250
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2017
InterBay Commercial - OSB introduces InterBay bridging
Charter Court Financial Services floated on the London Stock Market at 230p
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2018
OneTeam - OSB launched mission, vision and values
Charter Court Financial Services - entered the FTSE 250
InterBay Asset Finance - is created under OSB
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2019
Combination proposal announced to combine to OneSavings Bank and Charter Court Financial Services
-
2020
Charter Court Financial Services and OneSavings Bank become OSB Group
Purpose and vision
Our purpose is to help our customers, colleagues and communities prosper. Our Vision is to be recognised as the UK’s number one choice of specialist bank, through our commitment to exceptional service, strong relationships and competitive propositions. Find out more about our Purpose and Vision here.
Our business model
Our unique and cost-efficient business model maintains an efficient, scalable and resilient infrastructure. We are able to leverage our deep credit expertise and have combined our data analytics capability with excellent support services, including operations, IT, finance and human resources.