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Register
If you’re not yet registered, find out how you can start submitting your cases with us.
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Log in to the portal
You can submit an application with us online. To begin, please log in to our online portal.
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Produce an ESIS Illustration
Select “Illustration” in the top navigation of our online portal and follow the instructions on the screen.
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Submit an Agreement in Principle (AIP)
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:
Decision Meaning Accept You can proceed to produce a ESIS Illustration and confirm your fees Refer Our underwriting team will review your case. Please check back within the next full working day Decline Unfortunately, we can't accept your agreement in principle -
Submit your full application
To avoid delays, use our checklist to make sure you've gathered all the information we need.
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.
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Completion
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 shared ownership application, a member of our shared ownership solicitors panel must be instructed by yourself or the applicant.
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.
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Agreement in Principle
Download and complete the further advance AIP & 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
- 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.
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Confirm full application
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.
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Completion
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.
Do I use the online or paper process?
The process you need to follow depends on your customer's account number:
Online portal (08 account numbers)
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Go to choices portal
Step 1 Log in to our online portal.Step 2 Select “product transfers” from the options available.Step 3 Select whether you are placing a new product transfer request, and log in using your client’s mortgage details.Step 4 Follow the instructions on screen to complete the product transfer request. -
Completion
We'll email you with confirmation that the request has been processed and when the change will take effect.
You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.
Paper-based process (7000 account numbers)
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Complete authorisation form
Step 1 Retrieve the customer product transfer information letter and view our products to see what’s available for your client.Step 2 Download and complete the product transfer broker authorisation form and ensure it’s signed by you and your client.Step 3 Email the completed form and your product selection to brokertransfers@osb.co.uk -
Confirmation
Step 1 We'll reply with the customer product transfer information in due course. Please review this and ensure it's what your customer requires.Step 2 Arrange for the customer to sign the offer acceptance form and return to brokertransfers@osb.co.uk by latest 25th of the month before product expiry or if your account is already on a standard variable rate. We will only be able to make the product effective 1st of the following month, once the signed acceptance form is received from your end. -
Completion
Once we have received your offer acceptance form, we'll send the letter to the customer with confirmation that the request has been processed and when the change will take effect.
You'll receive your 0.3% procuration fee within 30 days of the product switch becoming effective.
For porting applications, any early repayment charges will not be charged but the existing interest rate will not apply to any additional funds your client borrows unless it's our standard variable rate.
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Complete porting application form
Step 1 Download and complete our porting application form.Step 2 Email the completed form to porting@osb.co.uk. -
Confirmation
You should have a response to the Agreement in Principle within 48 hours.
If your client's circumstances change and they want to add or remove a borrower from the property title or transfer ownership of a property, our mortgage operations team are on hand to help.
You can contact the team on 0345 122 0033.
