OneSavings Bank Plc operates as a financial services company, which as lender offering residential, buy to let and commercial mortgages, secured loans and development finance. It operates through three business segments: Residential Mortgages, Buy-to-Let/SME and Personal Loans. The Residential Mortgages segment engages in lending to customers, who live in their own homes, secured either via first or second charges against the residential home. The Buy-to-Let/SME segment engages in secured lending on property for investment and commercial purposes. The Personal Loans segment engages in unsecured lending, which currently comprises solely the acquisition of the former Northern Rock performing consumer finance portfolio of customers from UK Asset Resolution. The company was founded on July 13, 2010 and is headquartered in Chatham, the United Kingdom.