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- Investors
- Why invest in OSB Group?
OSB Group is a leading specialist mortgage lender; what makes us different is our unique business model and our consistent returns.
Underlying net loan book
£25.1bn
2023: £25.7bn
Ordinary dividend per share
£33.6p
2023: 32.0p
Underlying return on equity
16%
2023: 16%
Leader in specialist sub-segments
OSB Group is a leading mortgage lender in professional Buy-to-Let and specialist Residential market sub-segments. The Private Rented Sector has experienced an expansion in the last 20 years boosted by a lack of affordable housing in the UK; the Group’s share of new Buy-to-Let business was c.6% in 2024. As a result of the £1.25bn securitisation executed in December 2024, the Group’s net loan book decreased by 2% in 2024.
Highly capital-generative
The Group is strongly capitalised with a proven track record of capital generation through profitability. This allows it to support growth as well as distributions to shareholders. The Board has recommended a final dividend of 22.9 pence per share and a £100m share repurchase programme over the next twelve months.
Consistent returns
Since its IPO, the Group has consistently generated an attractive return on equity (RoE), driven by strong growth in its specialist market sub-segments and sound risk management. In 2024, the underlying and statutory RoEs were 16% and 15%, respectively.
Our competitive advantage
The Group focuses on market sub-segments where its specialist approach to underwriting offers a key source of differentiation. The Group offers a unique breadth of complementary yet differentiated lending propositions to its customers, ranging from speedy decisions for ‘off the peg’ solutions from its Precise brand, through to structuring unique ‘bespoke’ solutions through its InterBay brand.
Experienced leadership team
The Group is managed by an experienced and well-respected leadership team and governed by a Board with a broad range of skills and expertise. The leadership team has a long track record in operational management and in delivery of sustainable returns for shareholders.
Focus on sustainability
The Group progressed its commitment to net zero1 and the Net Zero Banking Alliance by publishing interim science-based targets for 2030. In 2024, we reduced our direct emissions by 41% compared to previous year through targeted investment and proactive estate management. We strive to make the Group a more diverse and inclusive organisation and, in the year, the proportion of female colleagues in senior roles increased to 36%, towards our target of 40% by the end of 2026.
1. Net zero is defined as a reduction in Scope 1, 2, and 3 emissions to zero or to a residual level that is consistent with reaching net zero emissions at the global or sector level in 1.5°C aligned pathways.