We are a UK specialist bank. Our lending products include mortgages for landlords and loans for business customers.

Factsheet

See an overview of our operations, strategy and performance highlights over the last five years.

Our strategy is to build a specialist bank for our customers, which delivers sustainable growth and shareholder returns through a low risk and robust model.

Overview

2019 Annual Report and Accounts

Read about our progress against our strategy and achievements throughout the year in our 2019 Annual Report and Accounts.

Download

Sustainability

Sustainability is central to our long-term success and it influences every aspect of our business

Overview

Covid-19 response

Find out how we’ve been helping customers, keeping safe and supporting our communities.

News

Keep up-to-date with the latest new releases and insights from across our business.

Overview

The UK Tenant Report 2020

Millions of people call the Private Rented Sector home, but who are these tenants, why do they rent and how long do they intend to rent a home for?

Careers

We understand how important our employees are to the business and, in recognition of this, we provide a variety of excellent reasons to work for us.

Overview

Meet Alex Harris

"The placement year has given me experience to complement my academic studies and the opportunity to test my skills in the real world."

Health and safety

We are committed to providing a safe and healthy working environment for all our employees and aim to comply with all applicable health and safety legal requirements, and to ensure that best practice management standards are implemented and maintained across all operations.

Framework and support

To support the health and safety of our employees, as well as contractors and visitors to our premises, and those impacted by our operations in public areas, we provide and maintain:

information, instruction and supervision on health and safety matters to empower people to take ownership of their responsibility for a healthy and safe environment, as well as encouraging them to report any concerns
an Occupational Health and Safety Management System which includes a health and safety policy, risk assessments, performance evaluation and regular health and safety management meetings monitoring performance, objectives and targets
a dedicated Health and Safety Manager who reports, ultimately, to the Chief Operating Officer, the Executive Committee member responsible
trained fire marshals, first aiders and other qualified personnel in all our offices, as well as defibrillator machines at all sites

ISO certified

Our Group Occupational Health and Safety Management System (OHSMS) was certified to ISO45001:2018 during 2019 and compliance is audited bi-annually by a UKAS accredited auditor.

SFS, who support local authority customers with vehicle hire and fleet maintenance, have their own health and safety manager and OHSMS. The operation is currently certificated to BS:18001 and intends to migrate to ISO45001:2018 during its next compliance audit cycle.

Performance indicators

We classify health and safety incidents as operational risk incidents under our risk management system and monitor them through the operational risk management system and the Operational Risk Committee. In the 12 months to 30 September 2019:

accidents and incidents remained at a low level
19 incidents (2018: 14) were reported, all of a minor nature
1 lost time incident (2018: 1) was reported under the Reporting of Incidents, Disease and Dangerous Occurrences Regulations 2013
there were no prosecutions or any enforcement action from visits by the authorities for non-compliance in respect of health and safety matters