Not an Intermediary? Visit the Customer site

Criteria & Product Overview

Criteria overview

Loan value

  • Resi purchase to 95%
  • Resi remortgage up to 90%
  • Mid Tier LTV's 82.5%, 87.5% and 92.5%
  • Completion fees cannot be added to applications over 90%
  • Shared Ownership up to 95% of customers share
  • Debt consolidation up to 90%
  • Interest only up to 75% / Part and Part up to 95%
  • Loans up to £2 million
  • Northern Ireland up to 80%
  • Right to Buy up to 75% LTV of the open market value

Complex income

  • Up to 100% overtime & bonus considered
  • Agency workers, Construction Industry Scheme (CIS) contractors, and Zero hour contracts considered

Learn more

Self-employed

  • 1 year trading
  • Affordability based on latest year’s accounts
  • Share of net business profits after tax plus salary considered

Learn more

Contractor

  • Consider less than 12 months
  • Weekly rate x48

New build

  • New build house/flat up to 90%
  • 5% builder incentive considered

#KensingtonDifference

  • No credit scoring, soft footprint search
  • No upfront Application fees

Product overview

Resi 12

  • Designed for your clients who have had a small blip more than 12 months ago
  • Available to first time buyers
  • CCJs, defaults, payday loans, Debt Management Plans, and credit arrears are all acceptable

Resi 6

  • Designed for your clients who have had a small blip more than 6 months ago
  • CCJs, defaults, payday loans, Debt Management Plans, and credit arrears are all acceptable

Hero

  • Up to 5 x income, subject to affordability
  • For Armed Forces Personnel, Firefighters, NHS Clinicians (including Nurses & Paramedics), Police Officers & Teachers

Professionals

  • Up to 6 x income, subject to affordability
  • For qualified Actuaries, Barristers, Chartered Accountants, Commercial Pilots, Dentists, Doctors & Solicitors

Flexi Fixed for Term

  • Fixed rate for duration of mortgage term, from 11 to 40 years
  • Affordability based on the fixed term rate, not on a future variable stressed rate
  • Available for purchase and remortgages

Shared ownership

  • 85%, 90% and 95% of share LTV options available, subject to affordability
  • Available on New Build and existing properties

eKo £1,000 Cashback

  • Evidenced by property moving to the next EPC banding OR an increase of at least 10 SAP points
  • Up to 12 months to make the energy improvements and claim £1,000 cash back upon qualification

eKo £500 Reward Mortgage

  • £500 cashback on purchases for properties rated A or B for energy efficiency

Property Plus

  • Non-standard construction types considered following positive Valuation
  • For property types covered, view our lending criteria

Right to Buy

  • Up to 100% of discounted purchase price

Tracker Mortgage

  • Another Solution to help your clients
  • 2 year variable rate Tracker
  • Low ERC: 1% during incentive period

Learn more

Help to Buy

  • Help to Buy purchase available in Wales (subject to scheme rules)
  • Help to Buy Remortgage in England, Scotland and Wales (subject to scheme rules)