Precise Mortgages
Specialist LenderPrecise Mortgages is a specialist lender within OSB Group, offering tailored solutions for borrowers with complex income or credit histories. They focus on adverse credit, self-employed, buy-to-let, and HMO lending, with products designed for borrowers underserved by high-street banks.
About Precise Mortgages
Precise Mortgages was launched as a specialist lending brand within the Kent Reliance group, which later became part of OSB Group. The brand was established to serve borrowers with complex income or credit histories who struggle to access mainstream mortgage products. Precise operates from Solihull and is part of a group that includes Kent Reliance and InterBay Commercial.
Precise focuses on adverse credit, self-employed borrowers, buy-to-let, and HMO lending. The lender uses manual underwriting to assess each case on its merits rather than relying solely on automated credit scoring. This approach has made Precise a popular choice for brokers placing complex cases that high-street banks would decline.
Precise Mortgages is broker-only and does not accept direct applications. The lender benefits from OSB Group's funding stability and institutional backing. Precise has built a reputation for transparent criteria and tiered pricing that reflects the severity of credit impairment.
Lending Focus
Precise Mortgages offers mortgage products across 5 categories including Residential, Buy-to-Let, Adverse Credit and 2 more.
Key Features
- Specialist adverse credit criteria with tiered pricing
- Complex income assessment for self-employed borrowers
- HMO and multi-unit block lending
- Limited company buy-to-let products
- Manual underwriting for non-standard cases
Pros & Cons
Pros
- Extensive adverse credit criteria covering most impairment types
- Part of OSB Group providing strong funding stability
- Manual underwriting gives flexibility on complex cases
- Wide product range spanning residential, BTL, and HMO
Cons
- –Broker-only — cannot apply direct
- –Higher rates than high-street lenders
- –Maximum 85% LTV limits options for those with smaller deposits
Fees & Charges
- Arrangement Fee
- Typically £995 — may vary by product
- Valuation Fee
- Based on property value — usually £200–£1,500
- Early Repayment Charge
- Typically 3–5% during fixed-rate period
- Overpayment Allowance
- Up to 10% per year on most products
Mortgage Rates
Rate data coming soon. View rates on Precise Mortgages
| 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
- 85%
Frequently Asked Questions
Can I get a Precise Mortgages mortgage with a CCJ?
Yes, Precise Mortgages accepts CCJs depending on the age, value, and number of CCJs. Their tiered pricing means rates are adjusted based on the severity of your credit history.
Is Precise Mortgages part of OSB Group?
Yes, Precise Mortgages is a brand within OSB Group, which also includes Kent Reliance and InterBay Commercial. This gives them strong funding stability.
Does Precise Mortgages offer buy-to-let for limited companies?
Yes, Precise Mortgages offers limited company SPV buy-to-let products, including HMO and multi-unit block lending through corporate structures.
How do I apply for a Precise Mortgages mortgage?
Precise Mortgages is broker-only, so you must apply through an authorised mortgage intermediary. They do not accept direct applications from consumers.
How to Apply
Broker only. Precise Mortgages products are available through mortgage brokers. Find a broker with Precise Mortgages on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Tipton & Coseley Building Society | Residential, Buy-to-Let, Adverse Credit+3 | Building Soc. | 85% |
| Kensington Mortgages | Residential, Buy-to-Let, Adverse Credit | Specialist | 85% |
| Together Money | Residential, Buy-to-Let, Commercial+3 | Specialist | 80% |
| Vida Homeloans | Residential, Buy-to-Let, Adverse Credit | Specialist | 85% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
April Mortgages: A Modern Approach to Lending
April Mortgages is enhancing its brand and operational efficiency to better serve borrowers and intermediaries, including new offerings for those over 50.
Managing a 35-Year Mortgage: Key Strategies for Borrowers
Understanding how to manage a 35-year mortgage is important for borrowers, especially as they approach retirement.
UK Property Market Activity Remains Subdued Amid Challenges
UK property market activity remains subdued as affordability and uncertainty weigh on buyers, with transactions down 2% year-on-year in August 2026.
How Klarna Affects Your Mortgage Application
Understanding how Klarna affects your mortgage application is important, especially with new FCA regulations in place.
On this page
Need help choosing a broker?
Get matched with relevant advisers.
Sample adviser photos for illustration.
100% free No obligation FCA Brokers only
View Lenders
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.
Social Media
Follow Precise Mortgages on social media for updates and insights.