Specialist lending business

Our key strengths

• Strong levels of mortgage origination
• Excellent loan performance
• Award-winning product propositions
• Strong relationships with intermediaries

Statutory net loans to customers

• 2019:£18.4bn
• 2018: £9.0bn

Strategic priorities

• Be a leading specialist lender in our chosen market segments
• Retain focus on our complementary underwriting platforms: OSB’s bespoke and manual and CCFS’ automated risk assessment platforms
• Further deepen relationships and distribution with intermediaries

OSB sub-segments net loans

Buy-to-Let/SME: 83%

Residential: 17%

CCFS sub-segments net loans

Buy-to-Let: 65%

Residential: 29%

Bridging: 3%

Second charge: 3%