Unique operating model

Our key strengths

  • OSBIndia: Best-in-class customer service
  • Exact Mortgage Experts: credit expertise and mortgage administration service
  • Continued, disciplined cost management

Statutory cost to income ratio

  • 2019: 32%
  • 2018: 28%

Strategic priorities

  • Continue to leverage our unique and cost-efficient operating model
  • Leverage deep credit expertise and data analytics of Exact Mortgage Experts
  • Maintain an efficient, scalable and resilient infrastructure

Assets administered by Exact as at 31 December 2019: £9.3bn

2018: £7.8bn (pro forma underlying)

Our history

Find out more about our history

Specialist lending

Find out more about our specialist lending