Kent Reliance Mortgages
Specialist buy-to-let lending for landlords and property investors. Portfolio-friendly criteria, limited company lending, and HMO products from a leading specialist lender.
Built for serious landlords
Kent Reliance, part of the OneSavings Bank group, has established itself as one of the most reliable specialist buy-to-let lenders in the UK market. Their product range is designed specifically for landlords who need more than basic buy-to-let mortgages can offer.
Through Doulton Bridging Finance, we help landlords access Kent Reliance's full product range, from standard buy-to-let through to complex multi-unit and HMO lending. Our knowledge of their criteria means we can position your application to achieve the best possible terms.
Expert access to Kent Reliance products
Buy-to-Let Expertise
Kent Reliance is one of the UK's leading buy-to-let specialists, offering a comprehensive range of products for individual landlords, portfolio investors, and limited company borrowers.
Portfolio Landlord Friendly
Landlords with four or more mortgaged properties benefit from Kent Reliance's streamlined portfolio assessment process, avoiding the burdensome requirements of many mainstream lenders.
Limited Company Lending
SPV and trading company purchases are well supported, with competitive rates and straightforward criteria for landlords who prefer the tax efficiency of corporate ownership.
HMO and Multi-Unit
Houses in multiple occupation, multi-unit freehold blocks, and properties with multiple tenancies are all catered for through Kent Reliance's specialist product range.
Flexible ICR Calculations
Kent Reliance applies pragmatic interest cover ratio calculations, helping landlords who might be stretched by the tighter stress tests applied by other lenders.
Top Slicing Available
Where rental income alone does not meet affordability thresholds, Kent Reliance can consider your wider personal income to bridge the gap and support your application.
How it works
Portfolio Review
We review your existing portfolio, rental income, and investment objectives to identify the right Kent Reliance product for your next purchase or remortgage.
Product Matching
We select the most competitive Kent Reliance product for your circumstances, ensuring the rate, LTV, and terms align with your investment strategy.
Application Submission
We prepare and submit your application with all supporting documentation, managing the process through Kent Reliance's underwriting and valuation stages.
Completion
We coordinate with your solicitor and Kent Reliance to bring your mortgage to completion efficiently, keeping your investment timeline on track.
Grow your portfolio with Kent Reliance
Whether you are purchasing your next investment property or remortgaging an existing portfolio, our team can help you access the best Kent Reliance products.
Frequently asked questions
Can I get a Kent Reliance mortgage through Doulton?
Yes. We hold broker agencies with Kent Reliance where available and can access their intermediary product range. Where Kent Reliance is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to Kent Reliance via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Kent Reliance cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Kent Reliance offer?
Kent Reliance's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Kent Reliance can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
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