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.
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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
We're working on adding live mortgage rate information for Precise Mortgages. In the meantime, visit their website for the latest rates.
View rates on Precise MortgagesApplication 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?
Is Precise Mortgages part of OSB Group?
Does Precise Mortgages offer buy-to-let for limited companies?
How do I apply for a Precise Mortgages mortgage?
How to Apply
Broker Only
Precise Mortgages products are only available through mortgage brokers. Use our broker directory to find a broker with Precise Mortgages on their lender panel.
Contact Information
Need a Precise Mortgages Broker?
Find FCA-regulated mortgage brokers who have Precise Mortgages 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.