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Northern Ireland

Something specialist has arrived!

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The first specialist lender in Northern Ireland

Complex lending, including for the self-employed and contractors

Buy to Let lending, including for Limited Companies

Communications defaults ignored

Key Information For You And Your Clients

Up to 80% LTV on Residential and Buy to Let products

Minimum loan amount £25,000

Maximum loan amount £500,000

Discover the #KensingtonDifference

We design mortgages to meet your client's different needs and circumstances. Whether your client is self-employed, has more than one income, or is buying a property to let, find out how we make specialist mortgages, special.

Complex incomes

We'll accept income such as overtime, second job, investment and pension income. We can also accept CIS contractors, zero-hour contract workers and agency workers.

The Hero Mortgage

For the heroes; nurses, paramedics, teachers, firefighters, police, the Armed Forces and more. We'll lend up to 5x their income, subject to affordability.

The eKo Mortgage

For those who want to do their bit for the environment. Our eKo Cashback Mortgage pays your client £1,000 when they improve their homes energy efficiency*.


From sole traders to company directors, we'll work with your clients' latest set of accounts. We'll also consider their application if they've recently started a Limited Company.

New builds

Have a client buying a new build? We'll accept gifted deposits from immediate family members. We can also accept builders' gifted deposits' up to 5%.

Limited Companies

With our Buy to Let mortgages for Limited Companies, you won't need to submit a formal business plan. And, we'll only assess the existing properties the Limited Company owns.

* Subject to product terms and conditions

Download Our Product Guides

Residential lending

Discover our residential range of products available in Northern Ireland, including Select, Core, Resi 6, Hero, eKo and Property Plus.

Buy to Let lending

Our Buy to Let Core (including Limited Company), eKo, and Property Plus range are both available for mortgages in Northern Ireland.

Videos from Our Launch Event

If you missed our launch event explaining our criteria and featuring an update from PropertyPal, watch the sessions below.

Contact your BDM

Sharon Cochrane

Business Development Manager - Scotland & Northern Ireland


M: 07392 080 478