Please note: Kent Reliance Property Loans administers existing mortgages and second charge loans, but doesn’t provide new mortgages.

Support for customers experiencing financial difficulties

We understand that being able to manage your money can impact every aspect of your life. If you’re struggling, we could help you take control of your finances.

Our financial support team are here to see how they could help you meet your mortgage repayments. If you make us aware of any problems you’re facing, we’ll be able to talk you through your available options.

What to do if you’re experiencing financial difficulties

If you’re worried about meeting your mortgage or loan repayments, now or in the near future, we’re here to help you. We’ll work with you to provide support that’s tailored to your individual circumstances and based on what you can afford to pay. Your credit score will not be impacted by contacting us to find out what options are available.

If you want to talk to someone please call our financial support team as soon as possible on 0345 123 6302, they’re available between 8am and 6pm Monday to Friday. You may also find it useful to visit the MoneyHelper or UK Finance websites for out-of-hours assistance. In addition, we’ve also listed some free third party resources at the foot of the page.

If you’re concerned about your ability to make future mortgage payments, either as a residential borrower or as a buy to let borrower whose tenant hasn’t paid, we may be able to consider making some changes to your mortgage account for a short period of time to help you manage your payments.

It’s important to remember that if we’re able to agree a temporary change to your mortgage payments, the amount unpaid will still be owed when the change comes to an end. If you pay less than the interest due your mortgage balance will increase, as will the amount of interest you pay over the remaining term of the mortgage. We’ll also need to report the arrangement to the credit reference agencies, which could affect your ability to borrow money in the future.

Information we’ll need

To help us consider what support we can give you, we’ll need a full understanding of your current income and expenditure.

We’ve worked alongside Paylink Solutions to create an online income and expenditure form for residential borrowers or buy to let borrowers who have up to and including three rental properties.

Completing this form will allow us to assess the information before we call you to discuss your options. We aim to deal with all requests within five working days.

If you’re a buy to let borrower with four or more rental properties call our financial support team on 0345 123 6302 instead.

If we’re unable to offer assistance, our team will provide guidance on what steps you need to take and may suggest that you seek independent financial advice. We cannot offer advice about debts you hold with other organisations. In such instances, you should speak to the organisation involved and/or approach an independent free debt advice service. Contact details for some of these services are listed below. There are also a number of self-help tools, money guidance sites or debt advice options which are available to you at the foot of this page.

Additional help and support

Below are some additional links to debt advice organisations where free advice and support is available.

Financial support charities

Personal advice websites

Credit reference agencies

Have you heard about PayPlan?

PayPlan is an organisation that offers free, simple, independent debt advice to anyone who needs it. Their mission is to help people become debt-free through clear, honest advice and debt solutions that work.

They’ll show you the different debt solutions available for your circumstances so you know what your options are, and how each one could help you. They could set up a debt solution that fixes your situation, lowers your repayments and gives you the chance to move forward with your life.

For debt advice you can trust or a solution straight away, their help is free to everyone, with no obligations, strings attached or hidden costs.

To improve your relationship with money, PayPlan have resources available such as a list of organisations to support your mental health, as well as offering tools to help you organise your finances.

They could help you with:

  • Taking the stress away from debt
  • Looking after your wellbeing
  • Reducing your spending
  • Working out your budget
  • Setting your financial goals
Visit PayPlan today and take control of your financial future

Budget planning

Don’t know where to start? If you’d like to improve your finances, it could help to look at the bigger picture and create a budget planner showing all of your incoming and outgoing finance.

Find the budget planner that works for you:

Once you have your budget, you can prioritise your important bills or debts and also spot where you could make your savings.

Reduce your spending

Even if you’re not facing financial difficulties there are ways to save money and we’ve listed some of the things that could help you save.

Top tips:

  • Review subscriptions on a regular basis to see if you could get a better deal on your TV, broadband, mobile or energy bill before the end of your contract.
  • Set up automatic payments in order to avoid potential late fees.
  • If you drive, try walking or cycling more. As well as saving you money, it could help you get healthier without a gym membership.
  • When you get unexpected cash, try to do one thing with it that saves money in the long run

Food and drink:

  • If you enjoy a coffee, check out each store’s loyalty scheme. You can sometimes get bonus points from bringing a reusable cup – earning you a free drink faster.
  • Try your local market instead of the supermarket, if they’ve got reduced overheads you could save more money.
  • If you do go to the supermarket try only going once a week to help avoid buying more. Buy own-brand food, and go around 7pm to purchase reduced-to-clear items that could be frozen to eat later. It may also help to make a list before you go to keep you from buying items on impulse
  • Create a meal planner to avoid food waste.
  • Try growing your own vegetables. As meat is more expensive, you could experiment with a variety of vegetarian meals you enjoy too.
  • Prepare lunch before work instead of going out to eat.

Leisure:

  • Book your holidays in advance and shop around to find the best price.
  • You could buy clothing, jewellery or home decor second hand - and it helps to recycle.
  • Before you buy something, try checking for vouchers first.
  • Explore free resources such as museums or borrow books from your local library instead of buying them.

Energy:

  • Turning down your thermostat by just one degree could make a big difference to the amount of energy you use and could cut your heating bills by up to 10%.1
  • Unplugging or switching off televisions, computers and video games consoles at the power switch when not in use could save you up to £70 a year.2
  • Consider using a shower timer. Using the shower for four minutes or under could save up to £95 per year.3
  • Washing clothes at a lower temperature could save you up to £40 a year. Modern washing machines can clean clothes effectively at lower temperatures and turning down the dial could help you get three cycles instead of two using the same amount of energy.2
  • Asking your energy supplier to install a smart meter will show you exactly how much energy your appliances are using and help you gauge the overall energy consumption of your home.

1 Turn down one degree (wwf.org.uk)
2 Energy saving tips to save money - Help for Households
3 10 Ways To Save Money On Gas & Electricity Energy Bills - Which?

Privacy Policy

Download our privacy policies

Mortgages and Loans Privacy Policy

Website Privacy Policy 

Terms & Conditions

There are some rules we need to explain so you know where you stand when you do business with us. You may also like to look at our privacy policy and cookies policy.

These rules are set out below: please make sure you read them carefully.

Kent Reliance Property Loans

Kent Reliance Property Loans is a trading name of OneSavings Bank plc. OneSavings Bank plc is a company registered in England and Wales (company number 7312896), whose registered office is Reliance House, Sun Pier, Chatham, Kent ME4 4ET. OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (registered no. 530504).

In these terms and conditions when we use the words "we", "us" and similar expressions we are referring to OneSavings Bank plc.

Website terms and conditions

Please read these terms and conditions carefully.

When you use this website you are agreeing to and accepting these terms and conditions and any other terms and conditions posted on this website by OneSavings Bank plc from time to time. We may change these terms and conditions at any time, simply by updating this page. You should therefore check these terms and conditions regularly, as we will consider that your use of the site after any changes means that you accept the new terms and conditions.

These terms and conditions only cover your use of the site. Our products have their own terms and conditions. If the product terms and conditions are different from the site terms it is the product ones that apply.

Use of this website

The information on this site is written for UK residents only.

Copyright and trademarks

OneSavings Bank plc does not give you any right or interest in any copyright or other intellectual property rights in any materials made available through this website. You may download or copy extracts for your personal use but not for any other purpose, nor do you have the right to alter anything.

The copyright and related rights in this website and all the underlying or related software, materials and pages relating to this website is owned by, or licensed to, OneSavings Bank plc and may not be used, copied or altered without our express consent. Copyright extends to the design and layout of the website, all text, html code, metadata and photographs on it and its related marketing materials.

Disclaimer

This website may contain information, text, data, graphics, photographs, illustrations, artwork, names, logos, trademarks and information about OneSavings Bank plc and on the products and services it provides (the "information").

The website and information is provided "as is" and on an "as available" basis only and OneSavings Bank plc does not guarantee the accuracy, timeliness, completeness, performance or fitness for a particular purpose of the website or any of the information. No responsibility is accepted by or on behalf of OneSavings Bank plc for any errors, omissions, or inaccuracies in the information on the website.

Although OneSavings Bank plc attempts to ensure that the information contained in this website is accurate and up-to-date, we accept no liability for the results of any action taken on the basis of the information it contains and all implied warranties, including but not limited to the implied warranties of satisfactory quality, fitness for a particular purpose, non-infringement, compatibility, security and accuracy are excluded from these terms and conditions to the extent that they may be excluded as a matter of law. We do not attempt to exclude any rights you may have that we cannot exclude as a matter of law.

Except in respect of death or personal injury resulting from our negligence or in respect of fraud, none of OneSavings Bank plc, its directors, employees or other representatives will be liable for any loss or damage you suffer including, without limitation, indirect or consequential loss or damage, loss of revenue or profit (whether direct or indirect) or any loss or damage arising from loss of use or data, whether in contract, tort, negligence or otherwise, arising out of or in connection with the use of this website. However, this will not limit our responsibility for complying with any duty or liability which we have towards our customers under the regulatory system.

Availability

We try to make sure that the site is available all the time. However, we do not undertake that the performance of the website will be uninterrupted or error free or that any defects will be corrected. We are not liable for the site being unavailable, however long it might be out of action. Consequently, we will not be liable for any loss or damage arising in contract, tort, negligence or otherwise if the website becomes unavailable or is suspended for any reason.

Viruses

Although we endeavour to ensure that the website is virus-free, we cannot warrant to you that the website will remain free from viruses and, therefore, we will not be responsible for any technical problems arising from the use of this website.

Offer and advice

The services provided on this website do not constitute an offer to sell any of our products; neither does the information constitute financial, investment, tax or other professional advice.

Linking

Websites to which this website is linked have not been reviewed by OneSavings Bank plc. We accept no responsibility for the content of such websites. You may not frame, link or deep-link this website to any other website without our prior written consent.

Data protection

When you use this website we will obtain some of your personal information, please refer to our privacy policy to understand how we will process, use and store your personal information.

Cookies

Please see our Cookies policy for details of how we use cookies on this site.

Applicable law and jurisdiction

Use of this website and these terms and conditions are subject to the laws of England and Wales and the jurisdiction of the English Courts. By using this website you irrevocably submit to the jurisdiction of the English Courts.

About us

OneSavings Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is included on the FCA's register of authorised firms registered number 530504.

The FCA's register of authorised firms can be found at www.fca.org.uk/register.

The address of the FCA is 12 Endeavour Square, London, E20 1JN.

OneSavings Bank plc participates in the Financial Ombudsman Service (FOS). If you have a complaint about any aspect of our services, please see our leaflet How we'll put things right.

If you are not satisfied with our final response you may be able to refer your complaint to the FOS. If you would like more information about the FOS, please contact us.

Alternatively, visit their website: www.financial-ombudsman.org.uk or telephone them on 0800 023 4567.

*For customer service and training purposes, calls with OneSavings Bank plc may be monitored and/or recorded.

Cookies notice

February 2024

What are cookies and similar technologies?

Our website uses cookies and other similar technologies to distinguish between you and other users.

Cookies are small text files that are stored on your browser or the hard drive of your computer, smartphone or other tablet devices when you visit a website. Websites use cookies in a variety of ways to improve your experience and help us make improvements. Some examples of why we use cookies are to:

  • Show you products that are relevant to you.
  • Work with advertising partners to deliver relevant advertising to you.
  • Remember your log in details to keep you signed in.

We use tracking pixels (a similar technology to cookies) in our emails in order to track user activity and continuously improve our content. These allow us to find out if our emails have been read and if the recipient found them useful.

Session and persistent cookies

A cookie can be either a:

Session cookie – this type of cookie is deleted when you close your web browser (Google Chrome, Safari, Microsoft Edge etc.). These are typically used when you log in to a website to make an online purchase;

or

Persistent cookie – this type of cookie remains on your computer until they expire. This can be for a fixed time after you have visited the website (e.g, one year) or a particular date (e.g., 31 December 2022). These cookies are used to remember information between visits to a website.

Except for strictly necessary cookies, all cookies on our website will expire after 6 months.

What are the types of cookies?

Strictly necessary cookies

These are always on when you visit our website, and you can’t turn them off unless you change your browser settings. These cookies are vital to us providing key features of our website, such as the ability to use online tools, log on and register securely, and maintain your cookie preferences.

Cookie source Cookie name Cookies used Duration
kentreliancepropertyloans.co.uk TS01ec13e6 First Party Session
kentreliancepropertyloans.co.uk OptanonConsent First Party A few seconds, 364 Days
kentreliancepropertyloans.co.uk OptanonAlertBoxClosed First Party A few seconds, 364 Days

You’ll be asked to provide your consent to the following cookies when you first visit our website and your consent will be refreshed every 6 months. You can switch these on or off at any time.

Performance cookies

These let us monitor how our website is performing so we can make regular improvements to the user experience and enable us to run tests on our website using different layouts. We also use these cookies for enhanced web chat services.

Cookie source Cookie name Cookies used Duration
kentreliancepropertyloans.co.uk _gat First Party A few seconds, 0 Days
kentreliancepropertyloans.co.uk _ga First Party A few seconds, 730 Days
kentreliancepropertyloans.co.uk _gid First Party A few seconds, 1 Day

Functional cookies

These are used to recognise you when you return to our website. This enables us to personalise our content for you, greet you by name and remember your preferences.

Targeting cookies

These are used to collect information about your visit to our site, the content you have viewed, the links you have followed and information about your browser, device and your IP address. We’ll use this information to make our website and the advertising displayed on it more relevant to your interests.

We may also share this information with trusted third parties, including data controllers within the OSB Group for this purpose.

First and third-party cookies

First-party cookies are set by us. They are only read when you come back to our website again.

Third parties may also use cookies, we have no control of these as they are not set by us. These third parties may include, for example, advertising networks and providers of web traffic analysis services. Third-party cookies are likely to be analytical cookies, performance cookies or targeting cookies.

To deactivate the use of third-party advertising cookies, you may visit the website page to manage their use.

How we work with our trusted third parties

Website analytics

We use third-party website analytics providers to monitor visitor traffic to our site to supply website reporting and general analytics. This gives us information about the pages on our site that visitors view, where our visitors come from (for example, whether they were directed to our site by a search engine), how long they choose to stay on the site, the types of browsers they use and so on.

We use this information to enhance our website offering so that we give our users the best possible experience on the site and to monitor the effectiveness of our marketing activities. However, this information is provided in anonymised, aggregate form only. It doesn’t enable you or your activity on our site to be individually identified.

Data Controllers within the OSB Group

Where you have consented to our use of targeting cookies, we will share these cookies with data controllers within the OSB Group to provide you with online advertisements we believe may be useful to you. Please see our privacy notice, ‘About Us’ section for the full list of OSB Group’s data controllers.

Google Analytics

We use Google Analytics, a web analytics service provided by Google, which sets a cookie in order to evaluate your use of our website. The information collected helps us to understand how people use our website, what technologies they use, whether they have followed a link or carried out a search to find the site and which pages are most popular. It doesn’t give us individually identifiable information about your interaction with the site.

Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law or where such third parties process the information on Google's behalf. Google won’t associate your Internet Provider (IP) address with any other data held by Google.

To find out more about the Google Analytics cookie and to reject or delete this cookie, you can visit the Google Privacy site at http://www.google.com/intl/en/privacypolicy.html

How can you manage cookies?

Strictly necessary cookies are always on when you visit us. When you first visit our website you can choose which cookies we can use.

If you wish to restrict or block the cookies which are set by us, or indeed any other website, you can do this through your browser settings. Stopping all cookies might mean you can’t access some of our services or our website may not work properly for you.

Where can I get more information?

For more information on how we may use your personal data, please see our privacy notice. You can find out more information about cookies and your rights on the ICO’s website https://ico.org.uk/your-data-matters/online/cookies/

Caronavirus (COVID-19) FAQs

I’m a mortgage customer and worried I won’t be able to make my repayments – what should I do?

If our mortgages customers are facing difficulty, we encourage them to get in touch as soon as possible. Kent Reliance Property Loans will support customers that are experiencing issues with their finances as a result of Covid-19, including a payment holiday of up to three months.

If you need any further assistance please contact us 03451 236303.

Homes for Ukraine

We support the government ‘Homes for Ukraine’ scheme and are working to help our customers participate in the scheme.

If you wish to participate and your application to be a sponsor is accepted then you must notify us. You should also inform your household insurance provider.

We also suggest you consider the financial implications of participating in the scheme and if you need further information or advice, we’d recommend you contact the Money Helper service:

Websitehttps://www.moneyhelper.org.uk

Telephone: 0800 138 7777  (Monday to Friday 8am to 6pm)

For more information on the ‘Homes for Ukraine’ scheme, visit https://homesforukraine.campaign.gov.uk where you’ll find a list of FAQs and details on how to register to be a sponsor.