# How OSB Group is redefining mortgage lending for the digital era
_Published: 2026-09-21T00:00:00.000-04:00_

OSB Group cut mortgage offers to under 2 hours and offer-to-completion from 44 to 22 days with nCino, Mambu and Publicis Sapient.

_OSB Group rebuilt their specialist mortgage platform with nCino, cutting offer-to-completion time in half and broker effort by fifty percent._

OSB Group is one of the UK’s leading specialist mortgage lenders, with a 150-year heritage. Facing changing broker and client expectations, [OSB worked with nCino and our partners at Mambu and Publicis Sapient to completely rebuild their platform, setting the bar for what’s possible in modern digital lending](https://www.ncino.com/en-GB/blog/OSB%27s-Story-with-nCino-and-Publicis-Sapient).

## The challenge: to reimagine lending

Lenders face significant pressure from changing customer expectations, regulatory requirements, efficiency demands, and profitability targets.

Recognising that incremental change wasn’t enough, OSB set about rethinking their entire approach to mortgage delivery.

## A collaborative transformation for scalable success

Transformation isn’t just about selecting the right software; it’s about finding the right partners. A trifecta of innovation, [OSB partnered with nCino, Mambu, and Publicis Sapient](https://www.ncino.com/en-GB/blog/OSB%27s-Story-with-nCino-and-Publicis-Sapient) to move them from a traditional waterfall organisation to a scaled agile model that builds confidence incrementally and delivers value at each stage.

> "It felt genuinely collaborative. Transformation should never be done in isolation; working with nCino and its partners brought new perspectives, challenged assumptions, and broad market knowledge. The shared mindset ensured the project was constantly productive and forward-looking."**  — Tyla Brooker, Product Owner, Lending, OSB Group**

## Modular, flexible, and AI-augmented by design

Our modular, cloud-based platform gave OSB the flexibility to take an iterative approach, allowing them to concentrate on the most critical areas first and expand capabilities confidently over time. Rather than replacing human relationships, AI was used to remove friction, speed up decisions, and optimise human judgment.

> "It’s a misconception that when you introduce AI, you lose the personal touch. With nCino we realised quickly that done right AI creates space for more meaningful interaction…that leads to richer information, fairer outcomes, and a more personalised experience, not less."** **

## Redefining the lending lifecycle

The transformation is the perfect demonstration of what’s possible with modern digital lending:

- Mortgage offers in less than 2 hours from application
- AIP decisioning certainty in under 10 minutes
- A reduction from 44 days to 22 days from offer to completion
- 50% reduction in broker effort, from 100+ fields required for AIP to fewer than 50

## What this means for mortgage lenders

OSB is the perfect example of what total transformation looks like in practice. Lenders willing to be bold and reimagine lending, not just modernise at the margins are harnessing technology as a strategic enabler and fundamentally differentiating their operations at every stage of the lending lifecycle.

A last word from Tyla: "What I love about this transformation is that it’s genuinely human-centric. It’s moved the needle on the experience we deliver to both our clients and our own people. When lending teams have more clarity and less cognitive load, customers feel the benefit."

**Want to learn more about how OSB is transforming specialist mortgage lending? **[Read the full case study](https://downloads.ctfassets.net/ze344jjyx19q/4VfRdZMUZllQ6EMVAlcn6u/b40cb1887e5594d413d2961784dc2ace/nCino_OSB_Case_Study__EXTERNAL_.pdf) to discover the complete story behind the OSB x nCino partnership.

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