OneSavings Bank plc (OSB) is a lending and retail savings company. The Company’s specialist lending segments include Residential Mortgages (comprising first charge, second charge and shared ownership), Buy-to-Let/SME and Personal Loans. The Residential Mortgages segment comprises 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 comprises of secured lending on property for investment and commercial purposes. BTL lending comprises residential investment property lending to prime credit borrowers. Personal Loans segment covers all of OSB's unsecured lending.