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 is a trading name of OneSavings Bank plc.
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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.
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.
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.
*For customer service and training purposes, calls with OneSavings Bank plc may be monitored and/or recorded.
What are cookies?
Cookies are stored on your computer – they are not associated with an individual, just with the browser that is being used. That's why information you may view on your work computer is not remembered when you go home. They do not store personally identifiable information.
Session or persistent cookies
Some cookies are session cookies. This means they are deleted when you close your web browser (that is Internet Explorer, Firefox, Safari etc). These are the cookies typically used when you log into a bank or make an online purchase.
Other cookies are persistent. This means they remain on your computer until they expire. This can be a fixed time after you have visited the website (eg one year) or a particular date (eg 31 December 2015). These cookies are used to remember information between visits to a website. For example, if you tell the BBC website to remember which weather forecast you want to see, it will use a cookie to remember that.
First or third party cookies
First party cookies are set by the site you are visiting. In the example above the cookie would be set by the BBC. They are only read when you go back to the same site again.
Third party cookies are set by someone other than the site owner. These may be set by agencies who have placed adverts on a site you visit, by analytics programs that help site owners know how well their site is working and similar organisations. If you go to another site that uses the same advert provider, the cookie may be read again, and the advertising agency will be able to recognise that the same computer has visited this site too. This information is generally used by agencies to target adverts so that you are more likely to see adverts for products you are interested in.
First party cookies
We do not use first party cookies on this site.
We use third party website analytics providers to monitor visitor traffic to our site to supply website reporting and analytics. This gives us information about the pages on our site that visitors view, where our visitors come from (for example, whether they were directed to our site by a search engine), how long they choose to stay on the site, the types of browsers they use and so on.
We use this information to enhance our website offering so that we give our users the best possible experience on the site and to monitor the effectiveness of our marketing activities. However, this information is provided in anonymised, aggregate form only. It does not enable you or your activity on our site to be individually identified.
We use the following website analytics provider:
The Reliance Property Loans website uses Google Analytics, a web analytics service provided by Google, Inc. Google Analytics sets a cookie in order to evaluate your use of our website. The information collected by Google Analytics helps us to understand how people use our website, what technologies they use, whether they have followed a link or carried out a search to find the site and which pages are most popular. It does not give us individually identifiable information about your interaction with the site.
Google stores the information collected by the cookie on servers in the United States. Google may also transfer this information to third parties where required to do so by law or where such third parties process the information on Google's behalf. Google will not associate your Internet Provider (IP) address with any other data held by Google. By using this website, you consent to the processing of data about you by Google in the manner and for the purposes set out above.
As the means by which you can do this varies from browser to browser, please follow the instructions provided by the specific browser you use (usually located under the “Help”, “Tools” or “Edit” function).
Alternatively, an external resource is available at www.aboutcookies.org which provides comprehensive information about cookies and how to manage them to suit your preferences on a wide variety of browsers. You will also find details on how to delete cookies from your computer (including those from this visit) as well as more general information about cookies. For information on how to do this on the browser of your mobile device you will need to refer to your handset manual.
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