Rely Mortgages

Rely Mortgages: Dedicated Buy-to-Let Lender

At Kerr & Watson, we work with a panel of trusted lenders to offer mortgage solutions that meet a wide range of borrower needs. We are proud to introduce Rely Mortgages, a brand new specialist buy-to-let lender launched in 2025, focused solely on supporting landlords and property investors.

Rely is part of OSB Group, and has been launched to provide a streamlined, broker-driven buy-to-let mortgage offering: combining speed, clarity and specialist underwriting to help both new and experienced landlords succeed.

About Rely Mortgages

Specialist buy-to-let focus: Rely is designed purely for buy-to-let lending, making it a strong choice if you’re investing in rental property.
Supporting all landlord types: Whether you’re a first-time landlord or a seasoned investor with a portfolio of properties, Rely offers products tailored to different levels of experience and scale.
Advanced, efficient underwriting platform: Their data-driven mortgage technology platform aims to deliver faster decisions and reduce administrative burden, which can make the application process smoother for broker and borrower alike.
Flexibility for complex or specialist cases: Rely’s product range can cater for more complex landlord needs: portfolio landlords, limited companies / LLPs, properties such as HMOs or multi-unit buildings, and potentially clients with non-standard circumstances.

Typical Requirements / What You’ll Need to Provide

When applying for a buy-to-let mortgage via Rely (or any lender), you’ll generally need to supply:

Proof of identity and address (e.g., passport or driving licence plus a recent utility bill or bank statement).
Evidence of rental income (or projected rental income), especially if you’re a landlord or buying to let.
Bank statements, deposit source, and evidence of any existing properties (for portfolio landlords).
For limited companies or LLP applications: company structure, accounts, and potentially business bank statements.
Other standard mortgage documentation (income, deposit, property details, credit history).

As with all mortgages you apply for through Kerr & Watson, our advisers will guide you through exactly what’s required for your individual circumstances.

Who Rely Mortgages is Right For

Rely Mortgages is especially well-suited to:

First-time landlords: Investors buying their first rental property and seeking a BTL lender with tailored support.
Aspiring or growing landlords: Those acquiring multiple properties over time, building a portfolio.
Professional/portfolio landlords: Experienced investors with several properties or complex letting structures (HMOs, multi-units, company-owned properties).
Landlords seeking flexibility: If you have non-standard circumstances (e.g. limited company ownership, multiple incomes, complex tenancy setups), Rely’s flexible underwriting may help.

How Kerr & Watson Can Help

As a mortgage broker, Kerr & Watson can:

Assess your buy-to-let plans and financial situation to determine whether Rely is a good fit.
Help assemble and prepare required documentation (income, deposit proof, property and rental projections, company accounts if relevant).
Submit and manage your application with Rely, liaising directly with the lender to streamline the process.
If Rely’s criteria aren’t appropriate for your case, we’ll consider other lenders on our panel to find the best match for your needs.

If you’re considering using Rely Mortgages for a buy-to-let purchase or remortgage, contact one of our advisers at Kerr & Watson. We’ll review your circumstances, walk you through the requirements, and advise whether Rely, or a different lender, is the right choice for you.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 7-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.