Kent Reliance is a specialist bank that provides mortgages for complex property investments and tricky residential cases that don't fit the mould of high street lenders.
They are a go-to lender for mortgage brokers who have clients with non-standard circumstances, particularly professional landlords and high-net-worth individuals. They are part of the specialist lending group OneSavings Bank (OSB).
Important Note: Kent Reliance works almost exclusively through mortgage brokers. You cannot usually apply to them directly but you can compare the latest rates they are offering for free using our mortgage-sourcing tool below:
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Who are Kent Reliance?
Think of Kent Reliance as the problem-solvers of the mortgage world. While high street banks use automated systems for straightforward applications, Kent Reliance uses manual underwriting. This means an experienced human assesses every single case on its individual merits.
Their expertise lies in understanding complex scenarios. They are not the right choice for a simple first-time buyer mortgage, but they are an excellent option for a professional landlord looking to finance a large House in Multiple Occupation (HMO) or someone with a complex income structure buying a unique home.
What are they known for?
Kent Reliance has built its reputation on being experts in the specialist mortgage market. Their key strengths are:
Complex Buy-to-Let
This is their core business. They are a market leader for professional landlords and offer buy-to-let mortgages for:
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Limited Companies (SPVs): Lending to companies set up specifically to hold property, which is a very common and tax-efficient structure for landlords.
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Houses in Multiple Occupation (HMOs): Financing properties rented out by the room to multiple tenants, from small family homes to large multi-room blocks.
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Multi-Unit Freehold Blocks (MUFBs): A mortgage for an entire block of flats that is owned under a single freehold title.
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Holiday Lets & AirBnB: Lending for short-term rental properties.
Specialist Residential Mortgages
They also provide solutions for residential mortgages where high street lenders might say no:
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Complex Income: They can take a flexible view of applicants with multiple income sources, large bonuses, vesting stock, or those who are self-employed with a complex business structure.
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Large Loans: They have a dedicated service for high-net-worth individuals seeking loans over £1 million.
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Unusual Properties: They can consider properties that are unique or non-standard.
Compare today's best mortgage rates
We work with 90+ UK mortgage lenders, including Kent Reliance. You can use our service to compare mortgage rates from across the market to find the right deal.
Our mortgage sourcing tool is FREE and will show you the latest deals from Kent Reliance and others so you can make an informed decision about which to choose.
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Pros and Cons of a Kent Reliance Mortgage
Pros:
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Buy-to-Let Experts: Market-leading knowledge and product range for professional landlords and complex property types.
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Human Underwriting: Every case is assessed by a person, allowing for common-sense decisions.
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Flexible Criteria: They excel at finding solutions for borrowers with complex income or property scenarios.
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Accepts Limited Companies: A go-to lender for landlords operating through a corporate structure.
Cons:
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Broker-Only Access: You cannot approach them directly, you must use a mortgage adviser.
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Higher Costs: Their rates and fees are higher than standard high street mortgages, which reflects the specialist nature of their lending and the higher risks involved.
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Not for Simple Cases: They are not the right lender for straightforward, "vanilla" mortgage applications.
How to apply
You must go through a registered mortgage intermediary (a broker) to get a mortgage from Kent Reliance.
The process is:
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You find a mortgage broker who specialises in buy-to-let or complex residential cases.
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The broker will assess your circumstances and decide if Kent Reliance is the right fit.
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The broker will then package your application and submit it to Kent Reliance on your behalf, managing the process for you.
Get started here to speak to a broker who has a deep working relationship with Kent Reliance and can help you access their products and services.