Our brands

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

Kent Reliance for Intermediaries provides buy to let and first charge residential mortgages to borrowers.

Precise Mortgages provides specialist residential and buy to let mortgages, along with bridging and second charge loans to borrowers.

Specialist semi-commercial and commercial mortgage lender providing Buy-to-Let loans, alongside owner-occupied and investor commercial mortgages throughout England and Wales (acquired in August 2012).

Prestige Finance is the longest standing second charge lender in the UK and was acquired by OSB 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.

Experienced team providing specialist residential development finance to small and medium sized developers with a proven track record (commenced trading in January 2014).

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

Charter Mortgages is authorised and regulated by the FCA for ‘administering’ and ‘entering into’ regulated mortgage contracts and Consumer Buy-to-Let contracts. It is the legal title owner of some mortgage portfolios where the beneficial interest is owned by a third party where it outsources the administration of those mortgages to CCFS. CML also has a warehouse funding to enable it to acquire mortgages originated by CCFS, for the purpose of securitising and servicing those mortgages.

Charter Savings Bank is an online bank which provides a range of competitive savings products through its website.

Based in Bangalore, India, and a wholly-owned subsidiary of OSB, OSBI provides primary processing for our Kent Reliance brand and support for various Group functions including operations, IT, finance and human resources.

Exact Mortgage Experts administers mortgages originated by Precise Mortgages and selected third parties. It offers portfolio pricing, specialist analytics and credit consultancy to institutional clients.