OSB Group

OSB Group is a specialist mortgage lender and retail savings bank serving customers across the UK, Jersey and Guernsey. A UK-listed bank authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority, it operates seven specialist brands spanning buy-to-let and residential mortgages, commercial and semi-commercial lending, development finance, asset finance and retail savings. Its lending activity is distributed primarily through mortgage intermediaries and brokers, with underwriters taking a flexible, common-sense approach to cases, particularly in underserved sub-segments of the UK mortgage market.

The group's lending brands include Rely Mortgages, Precise Mortgages and Kent Reliance for Intermediaries for specialist residential and buy-to-let business; InterBay Commercial for complex commercial and semi-commercial lending; InterBay Asset Finance for asset finance; and Heritable Development Finance for property development finance. Charter Savings Bank provides retail savings products, including instant access, fixed-term and ISA accounts.

Work at the group spans retail banking, specialist mortgage lending, savings product management, underwriting, broker and intermediary distribution, and regulatory compliance under the PRA and FCA regimes. The business describes its heritage as extending over 150 years of customer trust and concentrates on the non-standard income, buy-to-let, bridging, development and commercial segments of the market, alongside customer-focused savings products across three jurisdictions.