Be a lending specialist lender in our chosen markets

Leading lender in our chosen markets

Our key strengths

  • Focus on specialist market sub-segments
  • Bespoke underwriting
  • Deep relationships with intermediaries

The market sub-segments we focus on are:

  • Buy-to-Let
  • commercial and semi-commercial
  • residential development
  • bespoke specialist residential
  • second charge residential
  • shared ownership
  • bridging and short-term loans
  • funding lines, and
  • asset finance.

Bespoke underwriting

At OSB, we do not use automated or scorecard-based processes. All of our loans are underwritten by experienced and skilled underwriters, supported by technology to reduce the administrative burden on our underwriters and mortgage intermediaries. We take each loan on its own merit, responding quickly and flexibly to offer the best solution for each of our customers. No case is too complex for us and for those borrowers with more tailored or larger borrowing requirements our Transactional Credit Committee meets twice a week demonstrating our responsiveness to broker needs.

Intermediary relationships

Access to our specialist products and multiple brands is via intermediaries. Relationships are key and partnerships continue to flourish with our panel of selected specialist mortgage intermediaries, who are leaders in their sub-segments.

Gross new organic lending


2018: £3.0bn

2017: £2.6bn

Our history

Find out more about the history of OneSavings Bank

Our business model

Find out more about our business model