Our story

OSB Group is a leading specialist mortgage lender, primarily focused on carefully selected sub-segments of the mortgage market such as Buy to Let, Residential (including Help to Buy and shared ownership), complex commercial and semi-commercial, development finance, bridging and asset finance.

Our key numbers at a glance

£23.6bn

Statutory loans

2,000+

Employees in UK & India

8+

Unique brands

£19.8bn

Statutory retail deposits

18.3%

Common Equity Tier 1 (CET1) ratio

90.8p

Statutory basic EPS

Helping our customers prosper through our family of specialist brands

Borrowers
Borrowers

Through our intermediary network we help our end customers achieve home ownership, whether first steps onto the housing ladder or securing their next property. We also help investors with buy to let, commercial and semi commercial mortgage products.

Savers
Savers

We have been trusted by our customers to provide a secure home for their savings for over 150 years. We help them achieve their savings goals by offering instant access, tax free and fixed term products via our branch, postal and online channels.

Intermediaries
Intermediaries

Our national sales team support mortgage advisors, providing opportunities to discuss a case and how we could help. Our team of expert underwriters have a flexible and common-sense approach to lending, using a wealth of knowledge and experience to meet the needs of brokers and their customers.

At Precise Mortgages we use straightforward criteria and clear decision making to provide a diverse range of dynamic solutions to customers underserved by mainstream lenders, such as the self-employed or those with adverse credit. As one of the leading specialist lenders, we’re focused on delivering clear solutions for buy to let and residential mortgages and bridging finance.

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At Kent Reliance for Intermediaries, our strength lies in our flexible common sense approach with a willingness to consider cases that fall outside of standard criteria helping provide tailored solutions. From buy to let lending for personal ownership and limited companies to residential mortgages for those with non-standard income, large loan requirements and shared ownership, each case is individually assessed to provide the most appropriate solution.

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At InterBay we’re experts in providing bespoke solutions, leveraging our extensive market knowledge and in-house teams who work in partnership with brokers, we look to say ‘yes’ where others say ‘no’. For commercial, semi-commercial, buy to let loans, bridging and developer exit finance, however challenging a case may seem, we work with brokers to find the best possible solution.

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InterBay Asset Finance offers hire purchase, leasing and refinancing for UK SMEs and small corporate entities to fund business-critical assets.

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At Heritable Development Finance we do things differently, allowing our team to approach each case on a bespoke basis, focusing on your needs to create a structure that suits you. We provide funding for new build houses and flats, conversions and refurbishments - including mixed use opportunities – for experienced property developers and small to medium-sized housebuilders with proven track records.

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Charter Savings Bank is retail savings bank, offering UK customers a choice of online and postal savings accounts, Cash ISAs and bonds, offering a simple and straightforward way to save, with competitive interest rates supported by excellent service.

It has received multiple awards for its proposition, marketing and product offerings, including ISA Provider of the Year, Best Fixed Rate Savings Provider and awards for customer service.

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Kent Reliance has been helping people save for the important things in life since the 1840s, and throughout those years always stayed true to its founding principles of loyalty, service and putting customers first – something it continues to aspire to today.

As a national bank with a local feel, its network of branches caters for savers who want a more personal approach, while also offering a wide range of postal and online accounts supported by a friendly, dedicated call centre.

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Based in Bangalore and Hyderabad, OSBI is a wholly-owned subsidiary of OSB Group providing offshore operational service support such as marketing and propositions, operations, IT, risk and compliance, finance and human resources. OSBI works with the Group's lending and savings brands, providing exceptional customer support and service delivery to new and existing customers.

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Latest news from us

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Category / Press Releases

Landlords take action to invest for the long term

In a housing landscape marked by uncertainty and change, OSB Group reveals that landlords are taking action and continuing to invest in the future of the Private Rented Sector (PRS) and the tenants they serve. 

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Category / Press Releases

OSB Group strengthens broker support and service through key appointment changes

OSB Group, the specialist savings and lending bank has hit the ground running in 2024 by unveiling a new senior sales structure, designed to offer further support to intermediary broker partners across Precise Mortgages, Kent Reliance for Intermediaries and InterBay.

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Category / Press Releases

OSB Group issued its Q3 2023 trading update

On 2 November 2023 OSB Group issued Q3 trading update for the period from 1 July 2023 to 30 September 2023.

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Join a growing organisation

To continue to provide great customer service and award-winning products we need ambitious and talented team members. Our people are integral to our success so we nurture a hardworking, fun, supportive and inclusive environment.

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Annual Report and Financial Statements for the year ended 31 December 2022

Keep up to date with key dates including our results and annual report with our Financial Calendar