Registered in England and Wales (company number 7312896). To find out more, visit InterBay.co.uk to speak with a member of their sales team. Applicants employed on a PAYE contract basis, will be required to provide the latest contract and if less than six months remains, the underwriter must assess the likelihood of the contract being renewed (e.g. Utility bill (gas, electricity, etc.) Product withdrawn from sale 07 November 2013. Rates effective from 11 July2023. Legal fees, Internet Explorer 11 (64-bit) for Windows 7 ONLY Product withdrawn 31 August 2018, Rates effective as of 07 August 2020. Product withdrawn 23 March 2023, Rates effective as of 25 November 2022. Please refer to the Buy to let product guide that can be found athere. After starting in the contact centre, I was promoted to a specialist role in 2018 before being given the opportunity to join the sales support team as a sales consultant in 2019. Japanese knotweed, We know that no two situations are the same, so our dedicated page details what resources are available to you if you need any extra support. Security, Please contact us for further details. Individual Voluntary Agreement, The terms of the licence must be complied with at all times. Products from Kent Reliance can be accessed by using Dynamo for Intermediaries as your payment route or you can choose our expert packaging service. Intermediaries - Darlington Building Society Existing OneSavings Bank borrowers, Product withdrawn 04 May 2023, Rates effective as of 06 April 2023. Maximum LTV, In all instances, the property must be registered at HM Land Registry as owned by the applicant(s). Kent Reliance Reviews | Read Customer Service Reviews of www If youre a customer looking for information, your deal is coming to an end, or your circumstances have changed. Product withdrawn from sale 24 February 2014. Product withdrawn 04 May 2023, Rates effective as of 14 April 2023. Flats in blocks must be of modern construction. Product withdrawn on 08 April 2019, Rates effective as of 11 July2023. KR is just their brand name used. The lowest of the following:The average of the last three years net profit,The latest years net profit. Existing commitments - if the Guarantor holds their own mortgage, the remaining balance of this will be included within the affordability calculations. In all instances, the property must be registered at the Land Registry as owned by the applicant(s). Kent Reliance For Intermediaries Financial Services Chatham, Kent . We always like to hear from you, so if you are looking for our telephone number, email address or postal address, please see your options below. New mortgage products for existing customers, Online submission available for some accounts, For existing customers requiring additional borrowing, Product transfer broker authorisation form, Portfolio submission platform (BTL Hub) user guide. Product withdrawn 11 October 2018, Rates effective as of 11 July2023. Product withdrawn 08 September 2020, Rates effective as of 01 July 2020. Product withdrawn 02 February 2023, Rates effective as of 09 December 2022. Product withdrawn 20 May 2021, Rates effective as of 05 March 2021. We are continuing to monitor any impact of the UKs withdrawal from the EU and what this may mean for our customers. Product withdrawn from sale 03 May 2012. Product withdrawn on 06 June 2013. Payslip deductions, Well base income calculation on the finalised accounts, SA302s, accountants reference or tax calculation submitted to HMRC. Child Benefit can be considered in addition to employed income at the underwriters discretion. I bring a wealth of experience and understanding of the mortgage process from my previous roles working in sales, servicing, pre-completions and as part of our Broker Liaison Team. Subject to valuation, the following properties can be considered: The property will be valued on a comparable basis with regard to transactions of other student lets/HMOs and private dwellings in the surrounding area. HM Revenue and Customs documents/tax summary (not, P45 or P60) - dated within the last 12 months. The valuation will include any HMO planning premium (Article 4) and enhanced value arising from additional facilities. Existing Kent Reliance for Intermediaries borrowers may switch a buy to let asset from an individual name into a limited company or an LLP. Product withdrawn 11 May 2021, Rates effective as of 11 July2023. From buy to let lending for personal ownership and limited companies to residential mortgages for those with non-standard income, large loan . Product withdrawn on 04 March 2021, Rates effective as of 20 November 2020. For customer service and training purposes, calls may be monitored and/or recorded. Visit the MoneyHelper, Rates effective from 11 July 2023. Product withdrawn 08 January 2021, Rates effective from 11 July 2023. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time. DMP, A best rent shall be reported having regard to existing property layout and minimum room size standards (RICS or local authority, as applicable for the location). Registered in England and Wales (company number 7312896). Building EightWatchmoor ParkCamberleySurreyGU15 3YL, Terms of BusinessPrivacy PolicyConsumer Duty Fair Value Statement. Where you are unable to certify the applicants documentation Post Office certification is acceptable and we will require a fully completed Post Office Certification Form. Standard self-employed LTV maximum applicable (restricted to 85% LTV if only one year contracting); Current contract must have a minimum of 3 months remaining at time of application; Applicant must be able to evidence at least one contract renewal with a minimum 12 months sector experience; Receipt of 3 months personal and business bank statements. Rates effective from 11 July 2023. Personal guarantees for 100% of the loan must be provided by all LLP members. Commercial premises, British Forces Post Office (BFPO) addresses are considered to be UK. Interest Only, New-builds, Product withdrawn from sale 06 September 2012, Rates effective from 19 May 2023. I started my career in financial services in 2013 and have worked in a number of different roles, including positions in sales support. Unless a bespoke valuation report is requested by us, the Complex valuation fee scale shall apply. Product withdrawn 27 April 2023, Rates effective as of 11 July 2023. 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). Product withdrawn from sale 04 April 2018, Rates effective as of 11 July 2023. Age limits, The CCJs/defaults in aggregate amount to less than 300, regardless of date of registration, and satisfied prior to mortgage application. Intermediaries Protecting your money Over 150 years of savings support Our heritage is built on the belief of maintaining strong relationships with our customers, ensuring that their savings goals are met and that we deliver on what we promise - every single time. One year fixed rate cash ISA - issue 50. see details >. Freehold, The loan amount is based on the resulting lower total. This button displays the currently selected search type. This is subject to overtime being sustained. Where a copy of an applicants ID documents have been obtained via a digital ID solution, we will require a copy of the customers digital report from one of the following companies: In general, properties above (or attached to) the following establishments wont be accepted: This isnt an exhaustive list. Product withdrawn 20 April 2023, Rates effective as of 06 April 2023. Im dedicated to supporting applications from submission to completion, and I enjoy helping brokers with their queries by putting my problem-solving skills to use on their complex cases. The teams will be brought together in the second quarter of this year and will house 16 business development managers (BDM). Product withdrawn 19 March 2020, Rates effective as of 11 July 2023. Product withdrawn 25 August 2022, Rates effective as of 14 January 2022. Swipe away and find out more It is the responsibility of the Solicitor to ensure the Borrower is aware there is a requirement, and will a condition of the mortgage, for any properties rented out in the private rented sector (including existing lettings, new lets and renewals) to normally achieve the minimum energy performance rating (an EPC) set out in the relevant applicable regulations in force. Product withdrawn from sale 25 April 2018, Rates effective as of 11 July 2023. Following the recent Bank of England Base Rate increase, the rates on a range of our existing variable savings accounts will increase on 11 July 2023. Properties must be let on one of the following: A fixed-term of 12 months can be considered up to 85% LTV. mail@krbs.com +44 (0) 333 240 6131. 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). Remortgages cant be accepted for the following purposes: Remortgages will be considered where the security property has been owned for less than 6 months where the property has recently been inherited or subject to: Rental income requirements are dependent on the property profile. Product withdrawn 23 June 2022, Rates effective as of 11 July2023. In all instances, evidence of ownership of the property must be provided by way of confirmation from solicitors, TR1 form or being registered at the Land Registry as owned by the applicant(s), during the application process. Buy to let SPV limited companies and limited liability partnerships LLPs, Product withdrawn from sale 26 August 2015. Buy to let, Guarantors, Precise Mortgages. Those looking to remortgage one of their existing four properties. Product withdrawn 08 December 2022 (for existing online customers only), Rates effective as of 25 November 2022. Logon Product withdrawn on 08 April 2019. Product withdrawn 26 May 2022, Rates effective as of 25 March 2022. Product withdrawn from sale 01 November 2018, Rates effective as of 11 July2023. Product withdrawn 10 December 2020, Rates effective as of 11 July2023. Monthly hire purchase payments. Product withdrawn from sale 01 January 2011. Monthly loan payments. Registered in England and Wales (company number 7312896). Ex-local authority flats, The guarantors income and commitments will be included in our affordability calculation in addition to the applicants income. Application fee, Product withdrawn 13 April 2022, Rates effective as of 11 July 2023. I'd like to see criteria for Residential Frequently viewed: Adverse Credit Applicant Fees Further advances Income Loan LTV Property Acceptable income Adverse credit Applicant key facts Product withdrawn from sale 02 November 2015. Intermediaries | The Mortgage Lender REAL LIFE LENDING Ours is a world of individuals - everyone is unique. KRFI Mortgages (@KRFI_Mortgages) Making alterations to the property or allowing the property to fall into disrepair. Rate effective from 11 July 2023. Acceptable repayment strategies and required evidence. Rates effective as of 11 July2023. Product withdrawn 31 March 2022, Rates effective as of 11 July 2023. Ive worked in finance since 2014 in a variety of roles, including junior stock and foreign exchange broker, and my previous experience as an underwriter means I have a good understanding of our criteria and policies. Find out more about our range of products: Kent Reliance is part of OSB Group, a specialist lender and savings provider whose purpose is to help customers, colleagues and communities prosper. We keep it simple. . Asset-backed, Energy efficiency regulations, Affordability, Product withdrawn from sale 22 November 2012. EU nationals, We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service. For developments previously holding a CRL warranty, a retrospective warranty will be accepted from one of the above providers, subject to a site survey having been undertaken by the new warranty provider at the time the retrospective warranty was underwritten.The solicitor acting for us should ensure an acceptable warranty is in place. Rates effective as of 23 June 2023. Minimum property value, The 1984 Housing Defects Act, which was later consolidated into Part XVI of the 1985 Housing Act, designated certain types of prefabricated reinforced concrete (PRC) dwellings as defective. Proof of income, The home of Handcrafted mortgage solutions With our market knowledge, empowered BDM team and flexible criteria, we're able to offer specialist buy to let and residential mortgage solutions where other lenders may struggle. The loan needs to be repayable and a term agreed with a documented loan agreement (a copy will be required to be held on file). Product withdrawn from sale 1 January 2011. Product withdrawn 24 April 2019, Rates effective as of 02 November 2018. Product withdrawn from sale 28 August 2015. Rates effective from 11 July2023. We became their club sponsor, supporting their senior, youth and coaching teams, and their dedicated player development pathway for players who aspire to a career in professional football. Kent Reliance for Intermediaries Rates effective from 11 July 2023. Product withdrawn on 24 February 2014, Rate effective from11 July 2023. Product withdrawn 16 November 2022, Rates effective as of 11 July2023. External link for Kent Reliance For Intermediaries, An incredible night last night at the Mortgage Solutions British Mortgage Awards! Product withdrawn 01 June 2023, Rates effective as of 11 July 2023. We can accept 100% of private and state pension. Our first act as club sponsor was to donate the valuable advertising space on the front of the matchday, training and coaching kits to Demelza, creating a fantastic three-way partnership. Product withdrawn on 15 July 2014. Other European Economic Area (EEA) Nationals and Non-EEA Nationals must also have been resident in the UK for a minimum of 36 months and provide evidence of permanent rights to remain in the UK. Product withdrawn 01 July 2021, Rates effective as of 05 March 2021. Product withdrawn 30 November 2020, Rates effective as of 09 October 2020. Welcome to KRFI TVHere you can enjoy coverage of the latest news about Kent Reliance for Intermediaries, market insights and important changes to the industr. This content is best experienced with your device in landscape mode. Calculation, Valid non-UK passport - valid right to remain or right to reside should be present in the passport. Separate representation, Rates effective from 11 July2023. Product withdrawn 04 February 2021, Rates effective as of11 July 2023. Any off-site technology must be subject to the Build Offsite Property Assurance Scheme (BOPAS) in conjunction with an acceptable 10-year new homes warranty. Product withdrawn 30 November 2020, Rates effective as of 11 July 2023. *For intermediaries only. The passing rent adopted doesnt exceed 10% of the market rent supported by the valuer. We do this by constantly reviewing our offering to ensure that it is fit for the target audience and that intermediaries and their customers find it easy to engage with us. Non-EEA nationals, Product withdrawn 26 August 2021, Rates effective as of 02 July 2021. Product withdrawn 04 November 2019, Rates effective as of 11 July2023. Product withdrawn 07 October 2020, Rates effective as of 10 March 2023. Product withdrawn 06 April 2017. Residency, Product withdrawn 04 March 2021, Rates effective from 24 February 2023. Rates effective from 11 July2023. Product withdrawn from sale 07 April 2016. Product withdrawn 01 February 2018, Rates effective as of 11 July2023. OneSavings Bank Plc is authorised and regulated by the Financial Conduct Authority (registered number 530504) Visit the FCA's MoneyMadeClear website. Registered in England and Wales (company number 7312896). Arrears, Product withdrawn 11 May 2023, Rates effective as of 28 April 2023. Rate effective from 11 July2023. Were DELIGHTED to share that weve won the award for Best Specialist Lender at the Legal & General Mortgage Club Awards 2023! Welcome to Equifinance For more information about HMOs, please visit www.gov.uk/private-renting/houses-in-multiple-occupation. Product withdrawn 3 October 2017, Rates effective as of 11 July2023. Its large underwriting team assess each case individually, applying flexibility and common sense to ensure brokers can access best-suited products. Kent Reliance Banking Services and Kent Reliance are trading names of OneSavings Bank plc. Product withdrawn 04 March 2021, Rates effective as of 04 September 2020. Two year fixed rate cash ISA - issue 41. see details >. Directors salary from the last year (plus dividends where appropriate). Construction industry sub-contractors, Download our mortgage application submission checklist. Product withdrawn on 21 October 2021, Rates effective as of 10 September 2021. Product withdrawn 14 July 2022, Rates effective as of 08 October 2020. Internet Explorer retired and is no longer supported as at 15 June 2022. Rates effective from 11 July 2023. All mortgage payments must be made by direct debit, and the applicant must choose between 10thand 28thdays of the month for the payment to be collected. Purchases where the applicant is married or in a civil partnership and their spouse or partner isnt included on the application. As every advertisement for a savings product will contain an AER you will be able to compare more easily what return you can expect from your savings over time. Maximum number of floors accepted as standard: High rise blocks outside of standard criteria may be considered on a case by case basis as an exception at our discretion. Kent Reliance Voluntary Liquidation Product withdrawn 03 December 2020, Rates effective as of 11 July 2023. In some circumstances, when calculating the amount were willing to lend, were able to accept the passing rent for a property, rather than the market rent confirmed by the valuer. Rates effective from 11 July2023. Income calculation, Headquarters. Product withdrawn 06 December 2018, Rates effective as of 11 July 2023. Product withdrawn from sale 1 January 2006. precise.servicing@precisemortgages.co.uk +44 (0) 800 116 4385. As a leader in the specialist intermediary mortgage market, Kent Reliance for Intermediaries offers a range of buy to let and residential products that help brokers with cases that may not fit the criteria of mainstream lenders. Product switching fee, Product withdrawn on 20 June 2016. Shared ownership, Minimum unexpired lease term, Intercompany loans, Product withdrawn 15 April 2021, Rates effective as of11 July 2023. Product withdrawn from sale 16 August 2018, Rates effective as of 11 July 2023. 5.10% AER One year fixed rate cash ISA (Issue 74)