About Kent Reliance

Founded in 2011, Kent Reliance Building Society is the largest business in the One Savings Bank group. They offer a range of specialist buy-to-let and residential mortgages and also lend to limited companies and Limited Liability Partnerships (LLCs).(1)

Kent Reliance’s mortgages are available to a wide range of people and have options for people with adverse or no credit history

We’ve reviewed some of the UK’s top mortgage lenders and measured their service, application speed and affordability. 

In this review we’ll cover:

Note: Kent Reliance only accept new applications from appropriately qualified mortgage advisers – they don’t have in-house advisers.

All information on this page was up to date as of August 2019.

Is Kent Reliance a good mortgage lender?

There are many ways to measure how good a lender is. We've chosen to focus on publicly available complaints data to estimate their quality of service.

We looked at Kent Reliance’s customer complaints record between July and December 2018. During this period, the Financial Conduct Authority (FCA) received 163 officially upheld complaints. That’s around 0.3% of customers, which is just below the 0.4% average across the major lenders.(2)

How long does a Kent Reliance application take?

During the last six months, the average speed that Principality processed a Trussle customer’s successful mortgage application was 48 days. That’s slower than the 16-day average across the 25 lenders we’ve submitted applications to.

Bear in mind that the speed of application will vary depending on your own personal circumstances and the lender’s present day-to-day performance. In some cases, applications can be approved by the lender within 24 hours, while some can take weeks or even months. This can also be impacted by the quality of the application submitted, which is why you may want to consider using a mortgage broker. The average quoted speed therefore may not reflect your own experience.

How much could I afford to borrow from Kent Reliance?

The amount you can borrow for a Kent Reliance mortgage can vary and depends on your financial circumstances. You’ll find Kent Reliance's mortgage calculator on their website, however this is for intermediary use only.

Kent Reliance mortgage calculator

Calculate what you could afford to borrow with a Kent Reliance mortgage. Calculate your monthly mortgage payments with a Kent Reliance mortgage.

How much can I borrow?
Mortgage repayment calculator

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

You could borrow up to

Loan to value (LTV):00%
Including your deposit, you could afford a house price up to£000,000
Other fees you may have to pay:
Broker fee(free with Trussle)
Additional fees(learn more)

Next steps

If you're ready to get a mortgage, the next step is to answer a few more questions. Then a Trussle adviser will find the best mortgage deal for you.

Your home could be repossessed if you don't keep up repayments on your mortgage.

Talk to a mortgage broker or lender to get a more accurate remortgage savings amount.

Frequently Asked Questions (FAQs)

Kent Reliance offers a range of mortgages and underwrites each case manually.

Kent Reliance buy-to-let mortgages

Kent Reliance offer a number of standard and specialist buy-to-let mortgages and consider each application individually. Options are available for eligible first-time and portfolio landlords, limited companies and LLPs. 

Kent Reliance residential mortgages

This lender’s residential mortgage range includes prime, near prime and Kent Reliance shared ownership mortgage options. Their near prime mortgage is designed for clients with adverse credit history or lack of credit, as well as self-employed buyers who have been trading for one year. 

Interest-only products are available for those with sufficient background assets or equity that can be used to repay future capital.

This lender’s residential mortgage lending criteria is designed to help Kent Reliance intermediaries find a mortgage for clients they are finding it difficult to place elsewhere.

As previously mentioned, Kent Reliance only accept applications through mortgage advisers; as such, your mortgage adviser should be able to tell you whether or not you meet the criteria.

You’ll find reviews of Kent Reliance’s mortgages on a range of consumer review sites and forums, including TrustPilot and Moneysavingexpert.com.

It might be possible to overpay on your mortgage, however this depends on the type of mortgage you have. Be aware that some overpayments may incur an Early Repayment Charge (ERC). Details of if and by how much you can overpay will be stated in your Mortgage Offer. Contact Kent Reliance Building Society directly to find out more.

If you find yourself in financial difficulty, Kent Reliance might be able to arrange a new payment plan with you by taking your personal financial circumstances into account. For instance, they could change the date you make payments.

When your current Kent Reliance mortgage comes to an end, the lender will contact you to remind you that it’s time to choose a new deal. You can speak with a mortgage adviser to discuss your options (Kent Reliance can only help with using their mortgage portal and can’t offer advice on which mortgage to choose).

Yes, Kent reliance offer limited company mortgages for loans of up to £750,000. Newly created limited companies and first time landlords are considered.

In order to help safeguard the lender’s investment in your home, they’ll always require you to take out buildings insurance on the property. 

Contents insurance isn’t compulsory but is highly recommended.

To find out if you were sold PPI, check your mortgage agreement. It’s likely that you’ve been sold it if the document contains any of the following terms:

  • Payment cover

  • Protection plan

  • Loan protection

  • ASU

  • Loan care

The FCA deadline for PPI complaints was 29 August 2019, however you might be able to file a complaint if there is a “significant or exceptional” reason as to why you missed the deadline.(3)

To enquire about a mortgage, you can call Kent Reliance on 0345 122 0033, Mon-Fri 08:30 to 17:00 and Sat 09:00 to 13:00. Lines are closed on Sundays and Bank Holidays.

Looking at pictures

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*The savings figure is from Trussle mortgage customers in September 2022. **You may have to pay a fee depending on your circumstances and credit history. Learn more.

Your home could be repossessed if you don't keep up repayments on your mortgage.

You may have to pay an early repayment charge to your existing lender if you remortgage.

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Information was sourced from Kent Reliance Building Society’s own website, unless referenced below.

(1) One Savings Bank

(2) FCA

(3) Money Advice Service