Kent Reliance, part of OSB Group, is a specialist for compound cases where both the borrower and the property are non-standard — complex contractor income alongside HMOs, multi-unit blocks or larger loans. Its deep manual underwriting is built for exactly the files that the mainstream cannot process. This guide covers how it assesses income and where it fits.
Approach is stable; figures are confirmed at application.
Most lenders can handle a complex borrower or a complex property, but struggle when both appear in one case. Kent Reliance is built for that intersection — a contractor with layered income buying an HMO, a multi-unit block or a larger, unusual property. Its underwriting is deep and manual, reading both sides of the case together rather than declining on either. For the contractor whose case is genuinely complex on two fronts, that is the value. Specifics are confirmed at application.
Kent Reliance reads contractor income manually, with the day rate annualised in the standard way where it applies:
Day rate x 5 days x 46 weeks = assessed annual income
A £600 day rate assesses at £138,000; at a standard 4.5x that is around £621,000 of indicative borrowing — illustrative, and dependent on your circumstances, the property and Kent Reliance’s live criteria.
A typical application is a well-assembled file covering both the income and the property complexity. Pricing reflects the specialism — it is for genuinely complex cases, not simple ones. It sits alongside its OSB Group sibling Precise, which carries the more productised tiered ranges; we compare across both. Kent Reliance’s sweet spot is the compound case — complex contractor income and complex or larger property in one deal.
Illustrative only, using the standard 5 x 46 method and a typical 4.5x multiple; Kent Reliance reads both income and property manually.
Assemble both sides of the case clearly: the income picture (all strands) and the property detail (HMO, multi-unit, or unusual construction). Kent Reliance reads them together, so a file that presents both coherently is what lets its deep manual underwriting work.
Reserve it for the genuinely complex case — pricing reflects the specialism, and a simple case belongs with a cheaper lender.
Kent Reliance suits the compound case where both the borrower and the property are non-standard — a contractor with layered income buying an HMO, a multi-unit block, or a larger, unusual property. Few lenders read both sides together as it does.
It suits you less well if either the income or the property is straightforward, where a mainstream or single-specialism lender will be simpler and cheaper.
Yes — it specialises in compound cases where both the borrower and the property are non-standard, with deep manual underwriting. Exact terms are confirmed at application.
Yes — these sit within its specialist property appetite, alongside larger loans, and can be combined with complex contractor income. Specifics are confirmed at application.
On the day rate or contract basis, annualised as rate x 5 x 46 where it applies, read manually alongside the property complexity.
Yes to both, with appropriate income evidence for each structure.
Both are OSB Group brands with distinct personalities — Kent Reliance leans to deeper manual property complexity, Precise to productised tiered ranges. We compare across both.
Pricing reflects the specialism — it is for genuinely complex cases, not simple ones, where its manual underwriting earns the premium.
Yes — HMOs and multi-unit property sit within its specialist property appetite, and it can combine that with complex contractor income in one case, reading both sides manually. This compound capability is its defining strength. Specifics are confirmed at application.
Both are OSB Group brands, but Kent Reliance leans towards deeper manual property complexity while Precise carries the more productised, tiered adverse-credit ranges. We compare across both to place your case with whichever fits it best.
Want to know whether Kent Reliance is the right lender for your contract — or which lender is? As a whole-of-market brokerage we compare Kent Reliance against the rest of the market and confirm live criteria for your circumstances before you apply.