Placing Business

If you’re not yet registered, find out how you can start submitting your cases with us.

Register

You can submit an application with us online. To begin, please log in to our online portal.

Select “Illustration” in the top navigation of our online portal and follow the instructions on the screen.

Select “AIP” in the top navigation of our online portal and follow the instructions on the screen.

At the end, you'll be met with one of the following AIP decisions:

To avoid delays, use our checklist to make sure you've gathered all the information we need.

Download checklist

Your application can be submitted online. To start, log in to our online portal and select your case.

Once you have paid the application fees, please upload the required essential checklist items on the application summary screen to fully submit the application. In addition, there will be other checklist items that will need to be uploaded but these can be uploaded after the application has been submitted.

Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.

Once you've checked that you and the applicants are happy with the offer, please check our online portal to see when your case has completed.

Please note that for any limited company application, a member of our limited company solicitor panel must be instructed by yourself or the applicant.

You'll be provided with their estimated fees (in accordance with our fee scale – either dual representation or sole representation).

Please note that the earlier this is carried out, the quicker the conveyancing process is likely to be. This is because your selected solicitor will be able to commence the initial checks prior to your offer being issued.

To place a case for a portfolio landlord, you'll need access to the Kent Reliance online portal and the buy to let hub.

If you're not yet registered with either of these, you can find out how to do so on our Register page.

Register

You can submit an application with us online. To begin, please log in to our online portal. All you need is your username and password.

Select “Illustration” in the top navigation of our online portal and follow the instructions on screen.

Select “AIP” in the top navigation of our online portal and follow the instructions on screen.

At the end, you'll be met with one of the following AIP decisions:

To avoid delays, use our checklist to make sure you've gathered all the information we need.

Download checklist

Your application can be submitted fully online. To start, log in to our online portal and select your case.

Upload the required evidence as described on screen. Please ensure you click “Checklist” on the screen to see all of the requirements.

N.B. please ensure you attach your documents to the checklist items to ensure easier tracking of your case.

Submit additional information on the Buy to Let Hub if your applicant is a portfolio landlord

Please note, if your applicant has four or more mortgaged buy to let properties already or has three mortgaged buy to lets and is buying their forth, you must submit the required information through the Buy to Let Hub to ensure your case can be underwritten. We can't begin the underwriting process until all the information has been submitted.

N.B. if your client’s full portfolio is mortgaged through a OneSavings Bank brand, there is no need to submit information through the Buy to Let Hub.

If you haven’t used the Buy to Let Hub before, try our user guide.

Download Buy to Let Hub user guide

Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.

Once you've checked that you and the applicants are happy with the offer, you need to check our online portal to see when your case has completed.

Please note that for any limited company application, a member of our limited company solicitor panel must be instructed by yourself or the applicant.

You'll be provided with their estimated fees (in accordance with our fee scale - either dual representation or sole representation).

Please note that the earlier this is carried out, the quicker the conveyancing process is likely to be. This is because your selected solicitor will be able to commence the initial checks prior to your offer being issued.

Download and complete the further advance AIP and application form and email it to furtheradvance@krbs.com.

This form provides us with:

• The authority to speak to you on your client’s behalf
• The information to generate a Mortgage Illustration for your client
• Your client's consent to run an Agreement in Principle

Has there been any substantial alterations or structural changes to the property since the original first charge was registered?

Please provide any documents relating to any alterations to the property since the first charge alterations, including but not limited to:

• Planning permissions
• Building regulation approvals
• HMO licences
• Any other relevant consents.

Are there any subsequent charges registered after Kent Reliance’s first charge?

Please provide us with any information about additional charge holders on the existing mortgage. To complete the process, the Bank will need to contact them so our Deed of Postponement can be completed to ensure their charge ranks behind the Bank’s First Charge and Further Advance in priority.

You should have a response to the Agreement in Principle within 48 hours.

Once your client’s enquiry has been agreed and we have advised you of the outstanding documents, please arrange for the client to call us on 01634 835791 to pay the fees. Once the fees have been paid and you have emailed the outstanding documents to furtheradvance@krbs.com we will then underwrite the application.

Please note we're unable to underwrite your case until we have receipt of the administration and valuation fees.

Once all required documentation has been provided and accepted by the underwriter, and subject to an acceptable valuation report, a mortgage offer will be issued.

Once you've checked that you and the applicants are happy with the offer please arrange for the applicants to sign and return the Acceptance of Offer – Applicant(s) form, to us so that we can proceed with the completion.

For limited company applications, the guarantor(s) will also need to sign and return the guarantor(s) acceptance of extended guarantor obligations form, to us so that we can proceed with the completion.

For individual applications, there is a 7 day cooling-off period. For limited company applications, there is a 14 day cooling-off period. If the applicant(s) wish to waive this period, we will require confirmation in writing.

Before proceeding, please ensure your client is eligible to transfer to an SPV.

The Conditions:

• No arrears in the last 12 months.

• The new limited company or LLP can't contain any directors, shareholders or partners who weren't individual parties to the original loan. A new application must be submitted when more directors have been added since the original mortgage.
• A director’s loan or gifted equity letter is required to cover the difference between the loan amount and the value of the property.

• Any capital gains or stamp duty tax payable on the transaction must be met by the landlord.

Once you've gathered all of the information we require, please email us at lending.team@krbs.com

Our lending team will let you know when the transfer will be applied. You will receive a proc fee of 0.30% 30 days of the product switch becoming effective.