OSB Group

About OSB Group

OSB Group plc has deeper roots than its relatively recent listing might suggest. The business traces back to 1898 and the Chatham & District Reliance Building Society, which grew over a century to become Kent Reliance Building Society. In 2011, Kent Reliance transferred its business to OneSavings Bank plc — backed by private equity firm JC Flowers — which subsequently listed on the London Stock Exchange and entered the FTSE 250. A merger with Charter Court Financial Services in 2020 created OSB Group plc as the holding entity for the combined group.

Today OSB Group is one of the UK's largest specialist mortgage lenders, managing over £4.5 billion in savings from more than 100,000 customers and having lent over £3.5 billion in 2024 alone. The bridging and development proposition is delivered through distinct subsidiary brands, each with its own origination focus and underwriting team:

• Precise Mortgages focuses on borrowers underserved by mainstream lenders — the self-employed, those with complex income or adverse credit, and specialist buy-to-let.
• Kent Reliance for Intermediaries covers residential and commercial mortgages with a flexibility-led approach.
• InterBay Commercial (formerly InterBay, acquired in 2012) provides commercial and semi-commercial mortgages and unregulated bridging finance.
• Heritable Development Finance supports residential property developers on ground-up and refurbishment projects.

Bridging Finance from OSB Group

Bridging finance within OSB Group is primarily delivered through Precise Mortgages and InterBay Commercial. Loan sizes, rates and criteria vary by brand and product — borrowers should contact the relevant subsidiary directly or via their commercial finance broker. All applications are made through registered intermediaries only.

What Can OSB Group Finance?

• Unregulated commercial and residential bridging (via InterBay Commercial)
• Specialist buy-to-let and HMO mortgages (Precise Mortgages)
• Commercial and semi-commercial mortgages (Kent Reliance for Intermediaries)
• Residential development finance (Heritable Development Finance)
• Asset finance (InterBay Asset Finance)

How to Apply with OSB Group

OSB Group products are available exclusively through registered intermediaries. Brokers should contact the relevant subsidiary brand directly — InterBay Commercial for bridging enquiries at [email protected], or Precise Mortgages for residential and BTL bridging. The group is headquartered at OSB House, Quayside, Chatham Maritime, Chatham, ME4 4QZ.