Kent Reliance
Specialist LenderKent Reliance, part of OSB Group, is a specialist lender offering residential mortgages, buy-to-let, and self-build products. With roots as a building society dating back to 1860, they combine heritage with modern specialist lending capabilities and higher LTV options than many competitors.
About Kent Reliance
Kent Reliance has roots dating back to 1860 when it was founded as a building society in Chatham, Kent. The society demutualised and became part of what is now OSB Group, which also includes Precise Mortgages and InterBay Commercial. Kent Reliance combines its heritage with modern specialist lending capabilities.
Kent Reliance offers residential mortgages, buy-to-let, and self-build products. The lender is known for higher LTV options than many specialist competitors, with products available up to 90% LTV in some cases. Kent Reliance serves borrowers who may not meet high-street criteria, including self-employed applicants and those with complex income.
Kent Reliance is broker-only and operates through mortgage intermediaries. The lender benefits from OSB Group's funding and has built a reputation for competitive rates in the specialist space. Kent Reliance is regulated by the FCA and PRA.
Lending Focus
Kent Reliance offers mortgage products across 3 categories including Residential, Buy-to-Let, Self Build.
Key Features
- Up to 90% LTV on residential products
- Self-build mortgages with stage release payments
- Part of OSB Group with strong funding base
- Heritage building society roots since 1860
- Flexible criteria for complex residential cases
Pros & Cons
Pros
- Up to 90% LTV — higher than most specialist lenders
- Self-build mortgages with stage release payments
- Heritage building society roots dating back to 1860
- Part of OSB Group with strong funding base
Cons
- –Broker-only — cannot apply direct
- –Does not accept adverse credit cases
- –Limited product range compared to some competitors
Fees & Charges
- Arrangement Fee
- Typically £995 — varies by product
- Valuation Fee
- Based on property value — usually £200–£1,200
- Early Repayment Charge
- Typically 2–5% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on Kent Reliance
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to offer
- Online DIP
- Yes — available online
- Offer Valid For
- 6 months
Lending Criteria
- Maximum LTV
- 90%
Frequently Asked Questions
Does Kent Reliance offer self-build mortgages?
Yes, Kent Reliance offers self-build mortgages with stage release payments, making them one of the few specialist lenders active in the self-build market.
Is Kent Reliance part of OSB Group?
Yes, Kent Reliance is part of OSB Group alongside Precise Mortgages and InterBay Commercial. It has heritage building society roots dating back to 1860.
What is Kent Reliance's maximum LTV?
Kent Reliance offers up to 90% LTV on residential products, which is higher than many specialist lenders and competitive with some high-street offerings.
Does Kent Reliance offer buy-to-let mortgages?
Yes, Kent Reliance offers buy-to-let products alongside their residential and self-build mortgages, all available through brokers.
How to Apply
Broker only. Kent Reliance products are available through mortgage brokers. Find a broker with Kent Reliance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Aldermore | Residential, Buy-to-Let, Commercial+1 | Specialist | 85% |
| Cambridge Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 95% |
| Dudley Building Society | Residential, Buy-to-Let, Self Build+1 | Building Soc. | 90% |
| Godiva Mortgages | Residential, Buy-to-Let | Specialist | 95% |
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