OneSavings Bank Plc is a financial services company, which as a lender, it offers residential, buy to let and commercial mortgages, secured loans and development finance. It operates through the following segments: Buy-To-Let/SME (BTL/SME), Residential Mortgages, and Personal Loans. The BTL/SME segment is comprised of buy-to-let mortgages secured on residential property held for investment purposes by experienced and professional landlords, commercial mortgages secured on commercial and semi-commercial properties held for investment purposes or for owner occupation, residential development finance to small and medium sized developers and secured funding lines to other lenders. The Residential Mortgages segment is consist of lending to owner occupiers, secured via either first or second charges against the residential home. The Personal Loans segment refers to the unsecured lending of the company, which is currently comprised of Northern Rock assets. The company was founded on July 13, 2010 and is headquartered in Chatham, the United Kingdom.