OSB Group PLC

Who Is the OSB Group PLC?

OSB Group PLC is a publicly listed, specialist mortgage lender headquartered in Chatham, Kent, with operations spanning the UK and India. Since its incorporation in May 2019 (originally under the name Project Cambridge Shelfco PLC), OSB Group has rapidly evolved into a major force in the UK’s specialist finance market.

The company focuses on serving specific sub-segments within the mortgage and savings ecosystem, including Buy-to-Let, Residential, Commercial, Development Finance, and Asset Lending.

At the heart of OSB Group’s strategy is a multi-brand approach, delivering niche financial services under a growing family of over eight distinct brands, including Kent Reliance, InterBay Commercial, and Charter Savings Bank. These brands are trusted by individual savers, mortgage brokers, and property investors alike.

Whether it’s first-time buyers, experienced landlords, or savers seeking secure fixed-term products, OSB Group aims to help its customers “prosper through its family of specialist brands.”

Who Are the Leaders Behind OSB Group PLC?

OSB Group’s strategic direction and governance are overseen by a highly experienced Board of Directors, comprising independent non-executives and senior executives.

Together, they ensure that the company remains compliant, future-ready, and aligned with stakeholder interests.

Key Leadership Members:

All Non-Executive Directors are independent, ensuring impartial governance and a commitment to transparency.

Their diverse backgrounds in finance, governance, technology, and risk management provide OSB Group with a robust leadership framework. CEO Andy Golding has been instrumental in shaping the group’s long-term growth, innovation, and customer-focused transformation journey.

What Is the Company’s Capital Structure and Annual Turnover?

OSB Group PLC is a Public Limited Company (PLC), incorporated in the UK under company number 11976839. It was officially registered on 2 May 2019 and remains in active trading status.

Key Financial and Regulatory Data:

This financial performance places OSB Group among the top-tier lenders in the UK’s specialist finance sector. The next set of accounts will cover the financial year ending 31 December 2025, with submission due by 30 June 2026.

What Services and Features Does OSB Group PLC Offer?

OSB Group operates as a diversified financial services group, offering targeted mortgage and savings products through an extensive intermediary network. Here are the core services:

1. Specialist Mortgage Lending

The company offers tailored products in:

• Buy-to-Let (BTL)
• Residential mortgages
• Semi-commercial and complex commercial lending
• Development finance
• Bridging and asset finance

These products are delivered through experienced underwriters using a common-sense lending approach, focused on both risk management and customer needs.

2. Retail Savings Solutions

OSB has a legacy of trust with savers dating back over 150 years, offering:

• Fixed-term accounts
• Tax-free ISAs
• Instant access products
  Delivery is available through branch, postal, and secure online platforms.

3. Broker and Intermediary Support

Through brands like Precise Mortgages and Charter Court, OSB Group has built a reputation for deep engagement with mortgage advisors and brokers. Their national sales team and case-by-case review structure ensure brokers get timely, tailored support.

Unique Features:

• Multi-brand presence: Over 8 specialist brands to serve different market niches.
• Strong capital position: CET1 ratio well above regulatory minimums.
• Customer-centric culture: Emphasis on helping customers prosper.
• Digital transformation underway: Investments in IT systems and modernisation to improve efficiency.

Overall, OSB Group PLC stands out for its strong market expertise, customer-focused lending approach, and commitment to digital innovation, positioning itself as a reliable and forward-looking player in the UK’s specialist banking sector.

What Do Employees and Clients Say About OSB Group PLC?

OSB Group has received mixed yet constructive reviews, particularly from employees. As of late 2025, the company holds a 3.8/5 rating on Glassdoor, with 69% of employees recommending the firm to a friend and 71% holding a positive business outlook.

Positive Highlights

• Compensation & Benefits: Rated 4.0/5
• Work Culture: Friendly, inclusive, and team-oriented
• Learning & Development: Opportunities for growth cited by many employees
• Longevity & Stability: Strong brand recognition and secure roles

Areas for Improvement

• IT Systems: Some reports of outdated platforms slowing efficiency
• Leadership Disconnect: Concerns over top-down communication
• Hybrid Work Limitations: Rigid remote work policies and equipment concerns
• Career Pathing: Desire for clearer internal advancement structures

The company acknowledges some of these challenges and is actively undergoing a modernisation programme to streamline operations and improve employee experience.

How Can Customers Contact OSB Group PLC?

OSB Group maintains a responsive customer service infrastructure, offering multiple touchpoints for general, investor, and savings enquiries.

Primary Contact Details:

Customer queries are handled through dedicated service channels, and the company also offers secure online account access for savings customers.

Why Choose OSB Group PLC?

OSB Group stands out for its focused expertise, multi-brand agility, and financial resilience. Unlike one-size-fits-all banks, OSB tailors solutions for unique borrower and saver needs, leveraging a modern yet personable approach to finance.

With over £25 billion in statutory loans, a fast-growing brand portfolio, and an experienced leadership team, OSB Group continues to play a vital role in bridging financial gaps and supporting property market innovation in the UK.