What are Kent Reliance's HMO mortgage rates?

Kent Reliance offers competitive HMO mortgage rates. Rates vary based on loan-to-value, borrower profile, and property type. Contact us for the latest rates and personalised quotes.

What are Kent Reliance's borrower criteria?

Kent Reliance accepts first-time landlords. Adverse credit is considered on a case-by-case basis. Minimum age: 18 years, maximum age: 85 years.

Does Kent Reliance accept intermediary applications?

Kent Reliance accepts intermediary applications. All applications must be made through intermediaries.

What HMO services does Kent Reliance offer?

Kent Reliance offers Hmo Mortgages, Hmo Remortgages, Portfolio, Limited Company, First Time Landlord, Bad Credit. Contact us to discuss your specific requirements and find the best solution for your property investment needs.

HMO Lenders

Kent Reliance

Kent Reliance is a specialist mortgage lender, part of the OSB Group. They are known for their flexible underwriting and providing buy-to-let mortgages for complex situations, including large HMOs, MUFBs, and applicants with adverse credit.

Considers heavy adverse credit
HMOs up to 20 bedrooms
Flexible, manual underwriting

4.3(2,338)

HMO Services

HMO Mortgages HMO Remortgages HMO Bridging HMO Development

Kent Reliance HMO Rates

Rates Coming Soon

We're currently updating our rates for Kent Reliance. Check back soon or explore our current HMO mortgage options.

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Borrower Criteria

Acceptable Borrowers

individual

limited Company

llp

offshore Company

Experience Requirements

First-time landlords accepted

Property investment experience required

First-time landlords are considered.

Credit Requirements

Adverse credit considered

Very flexible on adverse credit. Will consider applicants with bankruptcy/IVA discharged for 3 years, and those with recent CCJs/Defaults.

Age Requirements

Minimum age: 18 years

Maximum age: 85 years

Application Channels

Accepts intermediary applications

Accepts direct applications

Source Information

Profile last updated: 10 March 2026

Status: Published

Trustpilot rating is from a third-party review compilation, not a direct profile.

Frequently Asked Questions

Common questions about Kent Reliance and their HMO mortgage services: