0330 303 0236

Kent Reliance


Kent Reliance

Kent Reliance for Intermediaries (KRFI) is a mortgage lender with particular expertise in Specialist Buy to Let mortgages. Lending exclusively through intermediaries on properties in England and Wales, each case is manually underwritten which provides KRFI customers with a flexible approach. Kent Reliance for Intermediaries is a trading name of OneSavings Bank.

Lender features

  • Manual underwriting gives you a more flexible approach
  • Your own dedicated Business Development Manager
  • No maximum portfolio limit with Kent Reliance, or across all lenders
  • Max age at the end of the term 85 – max age on entry 79 for Residential and Buy to Let
  • Maximum 85% LTV on Buy to Let Standard and Specialist
  • Large loan products available (up to £3 million – larger loans considered on a case-by-case basis)


How can we help your clients?

We offer a range of specialist residential and buy to let mortgages. Our expert underwriters review each case on its own merits, applying criteria beyond the scope of mainstream lenders.

Common scenarios include:

  • Large property portfolios – landlords with a large number of properties
  • Houses of multiple occupancy – loans on properties with a number of tenants
  • High-value properties – buy to let cases on especially high value properties
  • Limited company lending – for clients with a SPV on their property or portfolio
  • Multiple units on one freehold – for clients who have converted a property into four or fewer units, without separating the title
  • Credit problems – who have experienced credit difficulties such as County Court Judgements, defaults or arrears
  • Complex income cases – clients with multiple income sources, or those who are self-employed
  • Shared ownership – for clients with poor credit histories or no deposit
  • Expats – clients who want to buy or let property while living overseas.


With the unrivalled personal service offered by our national network of expert BDMs, we’re perfectly placed to help brokers navigate odd cases.

So, if you have a client with exceptional needs, we’ll be happy to discuss each case individually and provide tailored lending solutions.

Register with Kent Reliance for Intermediaries

Click here to register with Kent Reliance for Intermediaries. Please note, you will need your FCA number in order to register.

Kent Reliance products and current rates

Please visit their website for more information on products and current rates. You can also find your local BDM to discuss.


Telephone: 01634 835791

Email: mortgages@krfi.co.uk

Use the KRFI BDM finder to find your nearest contact.

Registered Address:

Reliance House
Sun Pier

Got a case in mind?

Find your local BDM here or call 01634 888260 to discuss.

Before you can place a case, you’ll need to register with Kent Reliance. Please visit the registration page on the website to do so.


Find your local BDM

Registration page