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Residential product transfer

Our residential product transfer rates for clients switching their Kent Reliance mortgage.

  • Earn a proc fee
  • Online submission
  • No underwriting assessment required

 

    • Minimum loan £1,000
    • No maximum loan amount
    • Repayment terms available
    • Portable products
    • 0% product fees on selected products
MSV Type Term Initial rate Fee ERC Product code
Fixed 2 6.79% 0%

Yes

 02660 KCHR2402
Fixed 2 6.29% 1%

Yes

 02661 KCHR2402
Fixed 3 6.49% 0%

Yes

 02662 KCHR2402
Fixed 3 6.19% 1%

Yes

 02663 KCHR2402
Fixed 5 6.19% 0%

Yes

 02664 KCHR2402
Fixed 5 5.99% 1%

Yes

 02665 KCHR2402
MSV Type Initial rate Term Fee ERC Product code
Fixed 6.79% 2 0%

Yes

 02660 KCHR2402
Fixed 6.29% 2 1%

Yes

 02661 KCHR2402
Fixed 6.49% 3 0%

Yes

 02662 KCHR2402
Fixed 6.19% 3 1%

Yes

 02663 KCHR2402
Fixed 6.19% 5 0%

Yes

 02664 KCHR2402
Fixed 5.99% 5 1%

Yes

 02665 KCHR2402

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Download the full mortgage terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

    • Minimum loan £1,000
    • Maximum loan £1m
    • Minimum client share: 10% full property value
    • Maximum client share: 75% full property value
    • Up to 75% LTV
    • Up to 100% MSV
MSV LTV Type Term Initial rate Fee ERC Product code
100% 75% Fixed 2 6.79% 0%

Yes

 02666 KCHS2402
100% 75% Fixed 2 6.29% 1%

Yes

 02667 KCHS2402
100% 75% Fixed 5 6.19% 0%

Yes

 02668 KCHS2402
100% 75% Fixed 5 5.99% 1%

Yes

 02669 KCHS2402
MSV LTV Type Initial rate Term Fee ERC Product code
100% 75% Fixed 6.79% 2 0%

Yes

 02666 KCHS2402
100% 75% Fixed 6.29% 2 1%

Yes

 02667 KCHS2402
100% 75% Fixed 6.19% 5 0%

Yes

 02668 KCHS2402
100% 75% Fixed 5.99% 5 1%

Yes

 02669 KCHS2402

Terms and conditions

At the end of any initial deal, the interest rate will revert to the Bank of England Base Rate (BBR) tracker. All of our BBR products have a floor.

This means that if BBR were to fall to 0.00% or less the rate payable will be 0.00%, plus the agreed set percentage above BBR. This means that the rate payable will never go below 0.00% plus the additional percentage rate of the tracker mortgage.

If your client makes any lump sum payments or repays the loan within a special deal period, an early repayment charge may be payable. Please refer to the early repayment charge section of the table for details. Payments up to a maximum of £499 per month can be made without incurring an early repayment charge.

Interest is added to the mortgage account for the period from the date the loan is made until the last day of that month. Thereafter, interest is charged monthly on the balance outstanding at the end of the last month. Payments in excess of the required monthly payment will have the effect of reducing the balance outstanding and the amount of interest to be paid.

These mortgage products are portable. Even if your client moves home during the initial special deal period of a mortgage, the remaining benefits (up to the outstanding balance of their existing mortgage) of that special deal can be transferred to their new mortgage with us, subject to our lending criteria at the time of any move. In this case, any early repayment charges will not be charged but the existing rate will not apply to any additional funds that your client borrows.

All mortgage products are subject to availability of funds and can be withdrawn at any time.

For interest only or part repayment/part interest only, it's your client's responsibility to ensure they have sufficient funds available at the end of the term with which to repay the loan.

All loans are subject to availability, status, valuation and approval, and are available in England and Wales only. Applicants must be aged 18 or over. Maximum age at the end of the mortgage term is 85. Written quotations are available on request.

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504) for general insurance intermediation and regulated mortgages.

Download the full terms and conditions.

YOUR CLIENT'S HOME MAY BE REPOSSESSED IF THEY DO NOT KEEP UP REPAYMENTS ON THEIR MORTGAGE

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