OSB Group

OSB Group, a UK bank specialising in mortgages and savings

OSB Group is a UK-listed bank focused on specific, underserved segments of the mortgage market. The entity combines specialist lending with a retail savings franchise and states it has over 150 years of heritage. Its team works with a network of intermediaries and end customers, and operates through several of its own brands.

Specialist lending areas

Its lending activity targets selected niches of the mortgage market. These include buy to let, residential (including Help to Buy and shared ownership), complex commercial and semi-commercial, development finance, bridging and asset finance. The entity describes a flexible underwriting approach based on knowledge of each case, aimed at profiles that fall outside the standard criteria of conventional banking.

Customer profiles it serves

• Borrowers: through its intermediary network, the entity helps end customers access home ownership, whether for a first purchase or a subsequent one, and serves investors with buy to let, commercial and semi-commercial mortgage products.
• Savers: it offers instant access, tax-free and fixed-term products through branch, postal and online channels.
• Intermediaries: a national sales team supports mortgage advisers, with opportunities to discuss cases. Underwriters work with a flexible, common-sense approach.

Group brands

The group structure brings together several specialist brands:

• Rely: a buy to let lending platform supported by new mortgage technology, a team of specialists and innovative solutions. Its data-driven underwriting approach seeks faster decisions.
• Precise Mortgages: uses straightforward criteria and clear decisions to serve customers underserved by conventional lenders, such as self-employed individuals or those with adverse credit history. It covers buy to let, residential mortgages and bridging finance.
• Kent Reliance for Intermediaries: relies on a flexible approach to consider cases outside standard criteria. It covers buy to let for personal and corporate ownership, residential mortgages for non-standard income, large loans and shared ownership, with individual assessment of each case.
• InterBay: offers tailored solutions for commercial, semi-commercial, buy to let, bridging and developer exit finance, working with intermediaries.
• InterBay Asset Finance: provides finance leases, leasing and refinancing to UK SMEs and small companies to fund critical business assets.
• Heritable Development Finance: funds new-build developments, houses and flats, conversions and refurbishments, including mixed-use, for experienced developers and small and medium-sized housebuilders with a proven track record.
• Charter Savings Bank: a retail savings bank offering UK customers online and postal savings accounts, Cash ISAs and bonds, with competitive interest rates. It has received several awards for its proposition, marketing and products, including ISA Provider of the Year and Best Fixed Rate Savings Provider, as well as recognition for customer service.
• Kent Reliance: draws on the heritage of Kent Reliance Building Society, with over 150 years offering financial products. It has an award-winning reputation for personal and business savings accounts, ISAs and bonds. It operates online and through a branch network in the South East of England, with its own telephone service.

Group structure and capabilities

OSB Group reports £25.9 billion in net loans, £24.3 billion in retail deposits and a Common Equity Tier 1 (CET1) ratio of 15.8%. It employs 2,489 people in the UK and India and brings together more than eight brands. The entity also mentions a base of 6,150 trusted brokers.

In India, OSBI is a wholly-owned subsidiary headquartered in Bangalore and Hyderabad. It provides operational services to the group, such as marketing and propositions, operations, IT, risk and compliance, finance and human resources, and supports the lending and savings brands.

Corporate governance and sustainability

The group's corporate information includes the structure and roles of the board, its diversity and composition, board and management committees, remuneration principles and policy, the internal audit charter and subsidiary committees. On sustainability, the entity states it is committed to customers, employees, communities and the planet, and publishes a climate transition plan and a community impact report.

Results and current affairs

The site includes the publication of interim results for the six months ended 30 June 2026, dated 6 August 2026, in which the entity notes it maintained a disciplined, returns-focused approach to pricing new lending. It also announces the appointment of Enrique Alvarez Labiano as the group's new chief executive officer. Among the featured news is an analysis on the intentional landlord and the evolution of buy to let investment strategies.