We continue to see attractive opportunities for growth across the specialist lending sub-sectors in which we operate, it said.

The bank said: “We remain selective in the business we write as we take advantage of the opportunity to maximise risk-adjusted returns and right-size our pipeline for 2015 completions.”

H1 results confirmed 80% of the bank’s lending was in buy to let with 20% residential. There was no material change to that during Q3. it said.

Andy Golding, CEO of OneSavings Bank, said: “I am very pleased with our 2014 performance to date, with strong, high-return organic origination driving a significant improvement in year-on-year profitability. Demand in our chosen markets remains high and we continue to see opportunities for growth. Customer service remains a key focus and I was particularly pleased to see Kent Reliance named as the Savings account provider with the best customer service in the UK by Which?”