Northern Ireland
Something specialist has arrived!
Over the last 25 years, we’ve been helping our brokers’ clients in England, Wales and Scotland realise their dreams and own their own homes. Now, we’re here to help your clients in Northern Ireland too. 
As a specialist mortgage lender, we know that no two people or their circumstances are the same. That's why we create innovative mortgages with lending criteria that gives us the flexibility to meet the needs of the people the high street can’t always cater for.
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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 75% LTV on Residential and Buy to Let products
  • Minimum loan amount £80,000 on Residential products
  • 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.


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.

Self employed mortgages
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%.

Mortgages for new builds
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.

Limited Company Buy to Let
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.

Complex income mortgages
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 Hero Mortgage
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*.

The eKo Mortgage
*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, Hero, eKo and Property Plus.
Buy to Let lending
Our Buy to Let Core range, HMO/MUB range and Property Plus range are all 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
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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 03049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.