Banks
OSB Group is a specialist UK lender focused on mortgages and savings, with particular strength in professional buy-to-let and specialist residential lending. It operates brands including Kent Reliance and Precise and funds lending largely through retail deposits.
Buy-to-let and specialist residential mortgages, commercial and bridging finance, savings accounts and deposit funding, with lending distributed through brokers and specialist intermediaries.
The United Kingdom specialist mortgage and savings market, especially professional landlords, complex residential borrowers and customers not always served by mainstream banks.
Mortgage originations, net interest margin, deposit and wholesale funding costs, UK property activity, credit quality, customer retention and capital generation.
Housing weakness, landlord regulation and taxation, mortgage arrears, funding competition, interest-rate movements, model assumptions on customer behaviour, conduct risk and concentration in specialist lending.
6 August 2026: half-year results supported an 11.8p interim dividend while management continued to emphasise disciplined lending, margin and capital management in a competitive mortgage market. A major near-term change is leadership: Andy Golding steps down on 31 August and Enrique Alvarez Labiano becomes chief executive on 1 September 2026.
OSB maintains a progressive ordinary dividend, supplemented when capital permits by buybacks. The 2025 final dividend was 24.1p, ex-dividend 2 April 2026 and paid 13 May. The 2026 interim is 11.8p, ex-dividend 13 August and payable 18 September, consistent with the Group's stated 5% dividend-growth approach.
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