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.
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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
We're working on adding live mortgage rate information for Kent Reliance. In the meantime, visit their website for the latest rates.
View rates on Kent RelianceApplication 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?
Is Kent Reliance part of OSB Group?
What is Kent Reliance's maximum LTV?
Does Kent Reliance offer buy-to-let mortgages?
How to Apply
Broker Only
Kent Reliance products are only available through mortgage brokers. Use our broker directory to find a broker with Kent Reliance on their lender panel.
Contact Information
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Find FCA-regulated mortgage brokers who have Kent Reliance on their lender panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.