Mortgage Rates

Kent Reliance Mortgage Rates - October 2026

Current Kent Reliance residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Kent Reliance mortgage

DBF Product Transfer System

If you decide to stay with Kent Reliance at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Kent Reliance is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	4.69%	4.99%	5.39%
5-Year Fixed	4.59%Best	4.89%	5.29%
2-Year Tracker	6.09%	–%	–%
Standard Variable Rate (SVR)	8.69%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	4.89%	5.19%
5-Year Fixed BTL	4.79%Best	5.09%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	4.54%	Cashback available
5-Year Fixed Product Transfer	4.44%	Cashback available

About Kent Reliance

Kent Reliance is the mortgage lending arm of OneSavings Bank, a specialist lender with a strong focus on both near-prime residential and buy-to-let mortgages. They are particularly well-known in the professional landlord market, offering comprehensive products for individual landlords, portfolio landlords, limited company BTL, HMOs and multi-unit blocks.

Kent Reliance's residential offering covers borrowers with clean and near-prime credit, with a flexible approach to income types including self-employed, contractors and those with portfolio income. On the BTL side, they are a market leader for complex landlord structures and regularly work with portfolio investors who need a lender comfortable with large, diversified property portfolios. DBF uses Kent Reliance extensively for specialist and complex cases.

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Tell us about your mortgage and we will compare Kent Reliance's current rates against the whole market - free, fast and with no obligation.

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FAQs

Frequently asked questions

What is Kent Reliance's best mortgage rate in October 2026?

Kent Reliance's best rate in October 2026 is approximately 4.59% on a 5-year fixed at 60% LTV for residential borrowers. Their buy-to-let rates start from a similar level for the strongest cases.

Can I get cashback on a Kent Reliance product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Kent Reliance on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Kent Reliance.

Is it faster to renew my Kent Reliance mortgage through a broker?

DBF's product transfer system can process Kent Reliance renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Kent Reliance remains competitive.

What is Kent Reliance's SVR in October 2026?

Kent Reliance's Standard Variable Rate in October 2026 is approximately 8.69%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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