Kent Reliance for Intermediaries

About Kent Reliance for Intermediaries

As a leader in the specialist mortgage market and part of the OSB Group, Kent Reliance for Intermediaries offers a range of buy to let and residential mortgage products for clients that may not fit the criteria of mainstream lenders.

Their market knowledge and willingness to look at each application individually gives us the ability to see the potential and help brokers navigate challenging cases.

With their  manual, handcrafted underwriting process and unrivalled personal service provided by their empowered national team of business development managers, they could provide tailored solutions that support you and your clients.

Products and criteria

Kent Reliance for Intermediaries' flexible, common-sense approach means they’re ready to tackle a diverse range of different borrowing needs. Here are just a few example of how they could support your clients.

Buy to let mortgages

Whether they’re a first-time investor or an experienced limited company landlord, their buy to let range features products to suit any property type, which could make it easier for you to place your cases.

  • First-time landlords - They accept HMO applications for properties with up to six bedrooms, and loans with just a 20% deposit are available to help aspiring landlords buy their first HMO.
  • Personal ownership landlords - They accept consumer buy to let applications. They don’t require experienced landlords to have their own residential property.
  • Limited company landlords - They accept intercompany loans, shareholder deposits and director loans as deposits. They also accept newly formed SPVs and LLPs and don’t apply specific SIC code requirements.
  • Portfolio landlords – There’s there’s no limit on the number or value of properties mortgaged with them and they don’t set a limit on the size or value of existing portfolios held with other lenders.
  • HMO/MUFB landlords - They’ll consider properties with up to 10 bedrooms or units, as well as applications with multiple units on a single freehold.
Residential mortgages
From clients with a multi-source income to newly qualified professionals, Kent Reliance for Intermediaries cut through the complexity to provide residential mortgage solutions for even the most complex of scenarios. Here are just a few of the different client types they could help.
  • Multi-source income - They consider 100% of secondary income in many scenarios and accept multi-source income from employment, self-employment or a combination of both.
  • Entrepreneurs - They accept earnings from professional landlords as a full-time income source. They'll also consider properties bought for cash and renovated to increase their value for remortgaging within six months of ownership, providing this can be fully evidenced.
  • Self-employed - They accept applications with a minimum of one year’s accounts and can work on a projection for year two based on an uplift of up to 30% of the first year’s figures.
  • High net worth income - No maximum loan amount options available and complex income sources such as sportspersons, musicians and actors are understood and considered.
  • Newly qualified professionals – No maximum loan amount at 90% LTV and loans up to £1.5 million at 95% LTV available. They can consider lending up to £1 million at up to 100% market share value on their shared ownership products.

Specialist support
As part of the wider OSB Group, the sales team has joined forces with the business development managers from Precise Mortgages to create one dual-branded team.

As experts in what both brands can offer, the team is able to provide you with even more support, further enhancing the service we can provide to you and your customers.

So whether you want to communicate with the team face-to-face, or prefer to speak to via telephone, video conferencing or webchat, get in touch and find out how they could help.

They believe that criteria is only the starting point of a conversion. Even if your case doesn’t quite fit the standard criteria, their team is more than happy to discuss what options are available.

Click here to arrange a meeting with your local BDM

Click here to register and place your business with Kent Reliance

Additional support
As well as providing a range of flexible products to help you meet your clients’ buy to let and residential needs, they also offer a range of additional resources to help you deliver on your cases.
  • Online criteria guide - Created with brokers in mind, the fully searchable guide is the ideal way to find the information you need as quickly as possible.
  • Insights and events - The latest insights and opinions on the specialist market from internal stakeholders
  • Online calculators - Find out how much your buy to let or residential customer could borrow.
  • BDM finder – Locate your essential local point of contact and discover how they could help you place your cases.

Getting in touch

If you have any questions about the buy to let or residential product ranges, or want to find out more about how else Kent Reliance for Intermediaries can support you, please speak to your business development manager.

You can also contact the broker liaison team by calling 01634 835791 or chat to them via Live Chat.

Proc Fees

Product Gross Net Gross Min Gross Max
Residential 0.40% 0.35% No Min No Max
Buy to Let 0.50% 0.45% No Min No Max
Retention products 0.30% 0.27% No Min No Max
Further Advance - Residential 0.40% 0.35% £150 No Max
Further Advance - BTL 0.50% 0.45% £150 No Max


Complex Britain Research Series:

Buy to Let Britain - 9th Edition

How to Register

Registering for the first time:

All brokers should visit the registration page of their website and register to be able to submit business to Kent Reliance. Please submit your FCA Number and follow the on-screen instructions to complete your registration.

Add Paradigm as payment route:

Email Kent Reliance requesting to add Paradigm.