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Only a week left to vote - Mortgage Strategy Awards 2018

Mortgage Strategy Awards 2018

Mortgage Strategy Awards 2018 

The categories for the Mortgage Strategy Awards 2018 have been announced and we hope you’ll consider us.

       

Intermediary partnerships are at the centre of everything we do and you will have witnessed the commitment we have demonstrated so far this year in delivering products and services that meet our partner’s needs.


With this in mind, we trust that you will consider voting for us in the following categories. Click on the categories below to find out why we've been nominated:


Buy to Let Lender – Kent Reliance>>

Best Specialist Lender – OneSavings Bank>>

Best BDM Team – OneSavings Bank>>

Best Large Loan Lender – Kent Reliance>>


Vote now 

Nomination deadline

Wednesday

27 September 2017


Thank you for your continued support.


Kind regards


Adrian Moloney

Sales Director


OneSavings Bank plc

Adrian.Moloney@osb.co.uk



Here's a quick reminder of what we've achieved (so far) in 2017:


Buy to Let Lender – Kent Reliance


Focused solely on the intermediary sector and renowned for its specialist manual underwriting expertise, Kent Reliance continued to share its specialist Buy to let knowledge and insight for the intermediary sector throughout 2017. Its thematic BTL Britain Research Series further elevated its status as ‘the’ information source for intermediaries by delivering:


  • The highest ever viewed ‘Wired’ seminar featuring key industry spokespeople, BoE economists and live Q&A from intermediaries via twitter.


  • The ‘Cost of Being a Landlord’ report provided brokers with an online client engagement tool that highlighted the costs of running a rental property in every local and unitary authority within the UK and automatically pinpointed investment sweet spots. Currently used and promoted by ‘Which’ online.


  • In 2017, the Bank of England’s Monetary Assessment Strategy Division formally requested a subscription for the bi-annual BTL Britain Report to help inform the Monetary Policy Unit when deciding interest rates. 

Kent Reliance has led the way in working with specialist brokers to develop its portfolio submission system ahead of PRA SS13/16. Its philosophy of ‘Brokers are our Business’ was placed at the heart of the development journey, ensuring broker engagement at every stage of the process to deliver a clear, simple-to-use system that is rightly regarded as the industry standard for transacting portfolio BTL business.


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Best Specialist Lender – OneSavings Bank


Renowned for its expert underwriting and flexibility in tackling the unusual or complex cases, OneSavings Bank (OSB) delivered yet another strong set of results for the first half of 2017, delivering 26% growth in organic origination and an impressive 20% growth in underlying profit before tax and a best in class return on equity of 28% during the same period.


OSBs has always welcomed portfolio landlords and this was evidenced at the beginning of summer 2017 as it took a leading position in the run up to PRA SS13/16, by outlining its position and proposition clearly to help brokers prepare for the changes in good time. This included the decision to announce its criteria well ahead of the PRA deadline but it was also the first specialist lender to put in place a dedicated underwriting technology, providing brokers with a straightforward process for submitting portfolio information in compliance with the stricter landlord’s underwriting standards.

Strong financials gives OSB the confidence to leverage its expertise to explore new markets. This was evident in 2017 as it launched its keenly awaited entry in to the Bridging market for residential and commercial business through InterBay Commercial. Featuring a marketing leading rate and combined with its underwriting expertise, the bridging proposition received glowing reviews from brokers and press and continues to progress ahead of plan.

OSB is a bank that refuses to stand still and vastly expanded its footprint in 2017 through networks, clubs and specialist distributers providing inclusion and insight through its three distinct trading brands of Kent Reliance, InterBay Commercial and Prestige Finance.  


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Best BDM Team - OneSavings Bank

OneSavings Bank (OSB) believes that people buy from people.  In 2017 it continued to grow and develop its sales team ensuring its frontline team make a genuine difference to brokers by providing a level of support and engagement required in a market seeking increasing specialist knowledge and insight.

Throughout 2017, it supported its brokering partners by attending over 150 network and club events throughout the UK, providing insight into the specialist market by placing its key people on panels, seminars and conducting presentations at every opportunity.  

As the specialist mortgage market faced unprecedented changes and challenges in 2017, OSB placed broker support at the forefront of its philosophy to help provide on-the-spot service and insight to brokers to help them navigate the changes as market transitioned.  

To support this, OSB extended its BDM recruitment throughout the year to recruit the best industry professionals and promote the best talent internally. The BDM team, enhanced by careful recruitment from major lenders, offers broker support nationwide with individual BDMs who understand the products and the appropriateness of solutions from across the group’s proposition – not just from an individual brand.  Running concurrently with its talent recruitment policy is its ‘Career Pathway’ for ambitious broker facing employees who wish to progress to Business Development Managers. Identifying the best talent from within the group, trainees are given a comprehensive 12 month programme including product knowledge, market awareness, customer insight and service to ensure its frontline staff place positive customer outcomes at the centre of everything we do.

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Best Large Loan Lender - Kent Reliance


In 2017, Kent Reliance consistently maintained its position as one of the ‘go-to’ large loan lenders in the specialist mortgage market place.  Its large loan proposition helps clients seeking to finance residential, BTL, HMO and student lets that are typically looking to borrow between £1m and £3m and in essence acts as a private lending bank to hi-net worth clients who seek its specialist underwriting expertise.

Flexibility is key to Kent Reliance’s large loans proposition so that it can cater for those clients seeking to borrow above the standard £3m. Large loan applications are manually reviewed by its expert underwriting team, who consider each case on its own merits and are then reviewed at its twice weekly credit committee by the executive team to ensure each application is given the timely care and consideration it deserves whilst providing quick decision making at the highest level. This is turn provides brokers, and ultimately their clients with greater customer service and certainty of terms.

The Sales team encourages brokers to engage in discussion about cases that go beyond normal criteria, most often on loan size, so the message to market is a clear one that we’ll give any case a fair hearing. Kent Reliance’s large loan proposition has achieved such resonance within the specialist mortgage market in 2016 that it regularly agrees and provides loan facilities well in excess of £3m to professional and portfolio landlords.


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OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered number 530504). We subscribe to the Financial Services Compensation Scheme and the Financial Ombudsman Service.




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