Our brands

The OSB Group 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.


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.

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

Visit the Kent Reliance for Intermediaries website

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

Visit the Precise Mortgages website

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).

Visit the InterBay website

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.

Visit the Prestige Finance website

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

Visit the Heritable Development Finance website
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We provide loans under hire purchase, leasing and refinancing arrangements to UK SMEs and small corporates to finance business-critical assets.

Visit the InterBay Asset Finance website

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.

Visit the Charter Mortgages website

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

Visit the Charter Savings Bank 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.

Visit the osbIndia website

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.

Visit the Exact Mortgage Experts 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