Please note: Reliance Property Loans administers existing mortgages and second charge loans, but does not provide new mortgages.

Welcome to Reliance Property Loans

At Reliance Property Loans, our mutual roots have a 150 year history. Today, we operate as a hybrid modern mutual bank but we hold strong to our core values: treating customers fairly while offering sustainable value for money.

Reliance Property Loans Limited is a wholly owned subsidiary of OneSavings Bank plc.

Privacy Policy

PLEASE NOTE: Due to the current situation with the Coronavirus (COVID-19) pandemic, the Information Commissioner’s Office (ICO) has announced that its offices are closed for the foreseeable future, and won’t be receiving any correspondences by post.

If you’d like to get in touch or make a complaint to the ICO, please call 03031 231113 or visit for more information.

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.

Reliance Property Loans

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.


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.


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.


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.


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.


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

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: or telephone them on 0800 023 4567.

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

Coronavirus (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. 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.