Its report said the buy-to-let (BTL) and residential franchises returned strong origination performance. However, macroeconomic uncertainty and higher mortgage rates dampened its higher-yield originations.
OSB Group’s net loan book grew by 1.9%, or £502.6m, to £26.4bn at the end of September in the time since December 2025.
The group also reported progress with its new lending platform, with 65% of residential mortgage applications reaching offer in fewer than five days. Its BTL mortgages on the platform also reached a £1bn balance sheet milestone.
Three months-plus arrears edged down to 1.6% during Q3, from 1.7% at the end of 2025.
Enrique Alvarez Labiano, CEO of OSB Group plc, said: “Since joining the group in September, I have enjoyed getting to know the business and working with the teams across the group, as well as meeting brokers, customers and other stakeholders.
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“Today I am pleased that we have reported a resilient nine-month 2026 performance, in line with our 2026 guidance, despite an uncertain macroeconomic backdrop and elevated swap rates.
“We continued to write new lending business at sustainable margins in the quarter. At the end of October, our net loan book growth was in line with our expectations.”
