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Complex income mortgages

Because complex income doesn’t need to be complex.

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The detail

When your client has more than one source of income, while other lenders may see complexity, we see an opportunity to help.

Our underwriters give each application the time it deserves, assessing each case and using their expertise to build the bigger picture so you can find the mortgage that’s right for your client.

Whether it’s their first home or last, we use human insight to make our decisions rather than just relying on machines.

Use our mortgage calculator to work out how much your client could borrow with us.

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Discover the Kensington difference...

Regular overtime accepted

Regular performance bonus accepted

Second job income accepted

For further details see our full lending criteria.

We can help your clients including...

Sales executives whose annual salary is made up of a high proportion of commission

NHS professionals working extra shifts in the private sector or on a contractual basis

Full time office workers with part time second jobs

Business owners and entrepreneurs, workers in the gig economy

Bank workers whose bonus package includes vested shares

Can we help your other clients?

Self employed

1. Affordability based on latest year’s accounts
2. No restriction on professions
3. Multiple income streams considered

Buy to Let

1. Up to 80% LTV
2. Limited Company assessed on SPV portfolio only
3. Maximum age at application: 70