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Written by:
PR Team
12.11.2024
I started my financial career journey in February 1997, working as a mortgage broker in an estate agents.
16.09.2024
When it comes to specialist cases, having someone to dig into the detail is really valuable. Cases can have intricacies that aren’t visible on the surface, but after a bit of scratching, it can turn a ‘no-go’ into a ‘go ahead’.
Underwriting Team
31.07.2024
Applications for specialist cases can take a fair bit of effort, so we understand it’s especially disappointing when you don’t get the response you hoped for.
Adrian Moloney
07.06.2024
There are numerous reasons why a client’s situation might not be straightforward. But ultimately, they all have the same goal – to secure the mortgage they need.
PR team
06.06.2024
Delving deeper into the complexities of a case could make all the difference. A conversation with us means we can explore alternatives and consider cases outside of our standard criteria.
Emily Hollands - Group Head of Distribution
16.05.2024
The private rented sector (PRS) is the second largest tenure, representing nearly one-fifth (19%) of households in England.
18.04.2024
In an industry where relationships are key, upfront conversations have the potential to make all the difference.
04.01.2024
Forewarned is forearmed. Proper preparation prevents poor performance. Fail to prepare, prepare to fail… there are so many sayings about the importance of planning ahead that I’m always amazed when I hear about people making big decisions without carrying out the necessary due diligence.
12.12.2023
Over the past few years, we’ve seen many ‘part-time landlords’ leaving the buy to let industry and selling their rental properties because of increased taxation and higher mortgage interest rates, as well as tighter rules and restrictions. Their exit has made way for more portfolio landlords and resulted in increased professionalisation within the sector. This trend is borne out in findings in OSB Group’s Landlord Leaders report which found that 73% of brokers and 64% of landlords agree that the sector is professionalising1.
26.09.2023
The media has been so full of stories about the number of landlords exiting the rental sector that it’s sometimes difficult to see the wood for the trees and decipher what’s actually happening.
19.06.2023
The recent reports that landlords will now have until 2028 to get their properties up to an energy performance certificate (EPC) rating of at least C is good news for those who were worried about how they were going to meet the previous proposals.
12.06.2023
Investing in buy to let property is not for those looking to make a fast buck. Most buy to let landlords these days view their investment as a project with potential to generate both income and capital gains, but over the long term.
Liza Campion
22.05.2023
Imagine you’re approached by a customer who’s looking for a residential mortgage. During your conversation, you find out that they’re partially sighted and have a little trouble reading the text on documents. Or you may discover they’ve recently separated from their long-term partner. You may even notice that they sound a little down or agitated.
Many customers simply prefer doing their banking in-branch, with face-to-face services giving them the chance to talk to people. It also gives them the peace of mind and security of seeing transactions taking place and receiving a paper record to prove it.
It was only while I was working from home during the dark days of lockdown when I realised just how many delivery drivers and riders there are out on the roads.
As is so often the case however, appearances can be deceptive and sportspeople, just like the rest of us, can often find themselves in situations outside of their control.
How many times have you read one of those romance scam stories about someone getting tricked out of their savings by someone they’ve met online and thought ‘How could anyone be fooled that easily’?
14.12.2022
Find out what our turnaround times are for your cases. Check out our latest article for up-to-date information on our service levels and what support’s available for your buy to let and residential cases.
Alan Kimber
04.10.2022
Why not gain some precious time back by following these three simple tips when sending us your clients’ applications.
16.08.2022
Your clients may be considering the way they run their rental portfolio and exploring the option of managing it through a limited company for tax efficiency.
Jon Hall
21.07.2022
“Reports of my death have been greatly exaggerated,” wrote author Mark Twain, having read his own obituary in the New York Journal in 1897. Parallels might be drawn with recent national press coverage of the buy to let sector. The publication of the white paper on ‘a fairer private rented sector’ on 16 June has fuelled speculation in some quarters that the government has PRS landlords in its sights - again - and that a combination of further regulation and rising interest rates is set to make buy to let investment unprofitable, spurring a widespread sell-off of rental property and killing off the sector as we know it.
OSB Group
18.03.2022
We support the government ‘Homes for Ukraine’ scheme and are working to help our customers participate in the scheme.
24.01.2022
HMOs can be challenging, so we’ve put together a list of the most common questions we receive from brokers.
19.01.2022
Cases that don’t fit the criteria of mainstream lenders can be challenging and hard to prepare for, but here’s how we can help you with five different scenarios.
01.10.2021
How to better support your clients in 2021 and beyond.
What should your limited company clients be thinking about as we move into 2022? Find out today.
19.07.2021
It’s hardy surprisingly that the pandemic has had a major impact on the rental market over the past 12 months or so – as the number of cases of coronavirus went up, the number of rental properties sold went down. The same can be said for the number of landlords selling properties too.
13.07.2021
The COVID-19 pandemic has brought about many changes to our lives – from the way we socialise to the way we work. Unfortunately, such changes have also meant many unwanted challenges for people looking to purchase a property.
22.06.2021
Imagine a customer approaches you looking for help securing a residential loan: Stephanie – a thirtysomething, self-employed contractor working in advertising who, despite the challenges thrown at them by COVID-19, has managed to continue working through the pandemic.
22.04.2021
With the nation being forced to spend the most part of last year indoors, the dream of becoming a homeowner and having your own space remains a priority for many aspiring first-time buyers.
10.12.2020
Is shared ownership more complicated for brokers to take on? Does it involve a lot more paperwork? Is it harder to secure a mortgage? We take a look.
08.12.2020
Finding the right lender for your specialist shared ownership cases is crucial in the current climate, we take a look at why Kent Reliance for Intermediaries could be the best option for your clients.
03.12.2020
In the second article of our shared ownership series, we answer some questions exploring the differences between Help to Buy and shared ownership and the pitfalls to be aware of.
30.11.2020
Shared ownership is becoming an increasingly popular option for those looking to buy their first home, but there are many misconceptions and myths surrounding it. We attempt to dispel some of them with a series of six articles exploring different aspects of shared ownership, starting with stamp duty.
19.11.2020
Discover why our dedication to our brokers has been recognised, and how we’ve been there to support you throughout 2020.
16.11.2020
Questions about limited companies cases? Our list of helpful FAQs could provide the answers you’re looking for.
21.10.2020
Read more about why you should put Kent Reliance for Intermediaries top of your list for limited company loans.
22.09.2020
As professional networks become increasingly important for brokers, obtaining appropriate guidance is now more vital than ever. We examine how this has changed with the evolving landscape.
15.09.2020
We’re making it easier for you to take on more HMO cases, so we’ve put together a list of the most common questions we receive.
14.09.2020
Our latest guide, ‘Changes to UK tax relief on finance costs’, takes an in-depth look at the key considerations for buy to let landlords.
Adrian Moloney, Group Sales Director at OneSavings Bank, sat down for a chat with Greg Cunnington, Director of Lending Relationships and New Homes, Alexander Hall, to discuss how strong professional relationships can benefit your business and the services you provide.
27.08.2020
No broker wants to be the reason that a case is delayed. Therefore, it’s essential that you always provide the most critical case details with a submission. Here’s a quick rundown of the essential documents we need you to supply.
Nathan Goodridge
19.08.2020
We explain how recent changes such as the stamp duty holiday could affect buy to let landlords, and take a look at the impact of Multi Dwelling Relief on portfolios.
Jim Brown
03.08.2020
While email might not be the newest digital channel in your arsenal, it’s still an extremely effective way of getting in front of your clients. It provides the opportunity for you to reach your clients directly and tailor your messaging to the needs of each one.
29.07.2020
If your buy to let clients are looking to maximise their portfolios, they may consider converting their rental properties into an HMO in order to benefit from higher yields and rental returns.
27.07.2020
Running as business can be a tricky process, and making sure that you have a steady stream of clients coming through the books is one of the most important priorities you can make. Digital Marketing is going to be key to this success.
19.07.2020
Find out about the opportunities following the 2020 stamp duty changes, and what this could mean for you when supporting your clients.
15.07.2020
While cases can be difficult to place, getting the planning right can help make the overall process a lot easier, including finding the right solution. To help, we’ve put together a quick list of our top tips for supporting the more challenging requirements.
13.07.2020
We sat down for a chat with Greg Cunnington, Director of Lending Relationships and New Homes, Alexander Hall.
08.07.2020
Know a residential buyer who needs some answers? Discover whether shared ownership could provide the solution they’re looking for.
06.07.2020
Whether it’s a buy to let or residential case, the property buying process can be a daunting one. Finding the right broker is therefore a big decision when looking for a mortgage. So what else can you do?
Roger Morris
02.07.2020
Although HMOs are an appealing investment option, landlords need to understand what their responsibilities are before renting out a property.
01.07.2020
Seeing an increase in first-time buyers? Well we could be the answer, thanks to our shared ownership loans of up to £1m.
Through these testing times, discover how we can help you provide answers for self-employed clients or those on furloughed salaries.
The numbers of individuals classed as self-employed continues to grow. However, self-employed workers have arguably been overlooked by a majority of lenders, failing to provide the necessary support, or products to match their demands. See how we look to support those self-employed clients.
22.06.2020
There’s always new ways to market your business. With the rise in digital marketing and its ability to track interactions, it’s no surprise that some traditional practices can be pushed further down the list.
Dawn Mirfin
17.06.2020
We’re committed to providing the best possible service, while helping you to get you applications right first time. So when submitting a case to us, other than knowing which product is best suited, it’s essential you’re providing the correct information as and when it’s required.
16.06.2020
The mortgage market experiences constant change, and is often hit with a raft of regulatory and tax changes – specifically aimed at the residential buy to let markets. These changes can no doubt be confusing for your clients, putting an onus on you to translate complex regulatory matters in a simplified, fair manner. This is all the more important if customers are considered vulnerable.
10.06.2020
Winning new clients is important for any business. But once they’ve been onboarded and are no longer ‘new’, maintaining these relationships shouldn’t be overlooked. By providing a great service, you already start the process of being remembered; however, you’ll want to ensure you stay front of mind for when their next case arises. And that’s where customer retention comes in.
01.06.2020
HMOs have been rising in popularity, but are your clients aware of their responsibilities?
27.05.2020
We’ve missed talking to you. That’s why our broker liaison team are ready and waiting for your calls.
Edition nine
06.05.2019
Buy to let Britain - Edition 9
Edition eight
11.05.2018
Buy to let Britain - Edition 8
Edition seven
18.11.2017
Buy to let Britain - Edition 7
Edition six
13.05.2017
Buy to let Britain - Edition 6
Edition five
18.11.2016
Buy to let Britain - Edition 5
Edition four
19.03.2016
Buy to let Britain - Edition 4
Edition three
12.03.2015
Buy to let Britain - Edition 3
Edition two
12.01.2015
Buy to let Britain - Edition 2
Edition one
10.12.2014
Buy to let Britain - Edition 1
10.06.2024
You’re contacted by a client who’s the owner of a small social media marketing consultancy. The client is looking to purchase their next home for £450k, with stamp duty at £10k.
You’re approached by joint applicants, who are married with two children. The property they want to buy is a three-bedroom end of terrace house worth £300k. It’s within walking distance of their children’s school so an ideal location.
An applicant approaches you as they’re finding it hard to get a mortgage lender to consider their less-than-perfect credit history for a high LTV residential mortgage. They’re looking to purchase a £250,000 property with a 10% deposit.
05.06.2024
You’re contacted by a client who’d like to expand their buy to let portfolio by purchasing an HMO. The property has six bedrooms, each with en-suite facilities, and two kitchens, with the rooms spread over three floors. The property is also located outside of an Article 4 Direction area.
04.06.2024
An experienced landlord has run a portfolio of 10 buy to let properties in their personal name since the early 2000s but wants to transfer them into a limited company structure as they heard they could benefit from incorporating their rental business.
03.06.2024
You’re approached by a landlord who wants to purchase a 20-unit MUFB property in an area of London popular with young professionals.
15.10.2024
Specialist lender Kent Reliance for Intermediaries (KRFI), part of the OSB Group has launched a brand new buy to let limited edition 1 year fixed product.
17.05.2024
Kent Reliance for Intermediaries, part of OSB Group, has introduced new buy to let (BTL) products and reduced rates. Launched products include reduced 75% LTV rates, lower LTV options and large MUFB products.
18.03.2024
Kent Reliance for Intermediaries, (part of OSB Group) has refreshed products across their residential, buy to let, and shared ownership product ranges. Changes include relaunching Income Flexibility and Extra Flexibility residential ranges and rate reductions of 50bps on selected buy to let rates.
08.03.2024
With over 4.3 million people now classed as self-employed in the UK1, complex incomes are no longer uncommon and specialist lenders with experienced BDMs on hand, are needed to help strike up those important conversations.
19.07.2023
Specialist lender OSB Group has promoted Joe Baxter to customer-facing Business Development Manager (BDM), covering the South Coast to South Wales, including Southampton, Bristol, Bath and Cardiff.
20.04.2023
Specialist lender OSB Group have promoted Samantha Brain from office based business development manager to customer facing external Business Development Manager (BDM) covering the central region.
06.01.2023
Kent Reliance for Intermediaries, part of the leading specialist lender OSB Group, has launched a competitive new residential mortgage range which includes the return of their popular income flexibility proposition.
18.05.2022
Kent Reliance for Intermediaries, part of the leading specialist lender OSB Group, has launched a new residential mortgage proposition to support brokers with clients who need flexibility around complex income streams...
11.05.2022
OSB Group, one of the leading specialist lenders, has announced the launch of a new office based BDM team, under the direction of Simon Cockerill, Head of Intermediary Sales Development.
06.04.2022
Part of leading specialist lender OSB Group and EY have worked together to produce an educational guide for brokers based on the rule updates to the UK tax system.
22.03.2022
OSB Group, one of the leading specialist lenders has unveiled plans for a new High Net Worth Client Management Team under the leadership of Simon Cockerill, Head of Intermediary Sales Development.
14.03.2022
As one of the leading specialist lenders in the UK, OSB Group’s purpose is “to help our customers, colleagues and communities prosper”. The commitment the Group...
23.02.2022
OSB Group, one of the UK’s leading specialist lenders, has unveiled plans for a new sales team structure to provide brokers with enhanced engagement and support...
17.02.2022
Kent Reliance for Intermediaries, part of specialist lender OSB Group, has appointed Melanie Merchant as a Business Development Manager to cover...
06.01.2021
Precise Mortgages, Kent Reliance for Intermediaries and InterBay Commercial sales teams, have been restructured to better support intermediary partners and to enhance the service that is provided to them.
25.06.2020
Kent Reliance for Intermediaries and EY have worked together to produce a guide for property investors on the changes to the UK tax system.
Kent Reliance for Intermediaries, part of the specialist lending and retail savings group OneSavings Bank plc, has today re-introduced its shared ownership residential product range
02.06.2020
Kent Reliance for Intermediaries, Precise Mortgages and InterBay Commercial are pleased to announce that all buy to let and residential pipeline cases, where valuation fees have been paid
19.05.2020
OneSavings Bank (OSB) has today launched a new product range across its three lending brands following news that physical valuations can take place in England.
07.05.2020
Following the recent announcement that OneSavings Bank has resumed new business lending through its Kent Reliance for Intermediaries and Precise Mortgages trading brands
05.03.2020
OneSavings Bank (OSB) have today announced that Adrian Moloney and Roger Morris are to take on Group roles within OSB and will report into Alan Cleary, OSB Group Managing Director for Mortgages.
02.12.2019
Kent Reliance for Intermediaries, part of specialist mortgage provider and retail savings group OneSavings Bank plc
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