Residential

Our mortgages come with lending criteria that’s designed to be as flexible as your client needs it to be. Our range of products make it easier for you to tailor our mortgages to meet the needs of your clients, at every stage of their lives.

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5 great reasons
to choose us

Personal Business Development contact

Self-employed based on 1 years accounts

Enhanced affordability for the Nation's heroes

Underwriter decision – not automated score

LTVs up to 85%

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Lending Criteria:

When your client has more than one source of income, while other lenders may see complexity; at Kensington, 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. And whether it’s their first home or last, we use human insight to make our decisions rather than just relying on machines.


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Lending Criteria:

If there’s ever a time when your clients need a mortgage lender that’s going to be flexible, it’s when they’re contracting. The combination of lending criteria designed to be flexible with the expertise of our underwriters means that we can offer mortgages that meet the specific needs of those who prefer to contract. 


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Lending Criteria:
Our eKo Cashback Mortgage range helps your clients make their home fit for the future. Based on our Select credit criteria, we’ll pay your client £1,000 in full for improving their energy efficiency rating by just 10 SAP points (Standard Assessment Procedure). Find out if more about the eKo Cashback Mortgage.

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Lending Criteria:

There are many reasons why your clients may have a low credit score which is why we don’t just look at the financial difficulties they may have experienced in the past. Our underwriters are trained to look beyond failed credit scores to gain a deeper understanding of your client’s circumstances so that you can help them find the mortgage that’s right for where they are today.


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Suitable for:

Lending Criteria:

If your client is looking to buy their first home but doesn’t fit the criteria of other lenders, our flexible lending criteria can make a mission impossible, possible. We use human underwriters to give us a more in-depth understanding of each mortgage application which means that we can consider your clients even if they only have a year’s history as a contractor, or a small credit ‘blip’ on their file. All they’ll need is a 15% deposit. Find out more here. 


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We support the Government’s Help to Buy Equity Loan scheme which enables buyers with a personal deposit of at least 5% (England and Wales) or 10% (Scotland) to purchase a new build home. Help to Buy Equity Loans are available in England (including the London scheme), Scotland, and Wales on purchases. It’s just one of the ways we want to help your clients get on the housing ladder.


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Our mortgages for heroes are specifically tailored for borrowers currently employed in essential public sector roles. With our lending approach, we understand that certain professions require real people to underwrite their case, and not rely on credit scores and system generated responses. 

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Lending Criteria:

Our bespoke approach to lending takes a more informed approach to your clients circumstances who require a larger mortgage loan. This means we can accept a range of income sources including bonus payments, latest figures for self-employed applicants and up to 100% of earned income.

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Our Right to Buy Mortgages help turn tenants who live in Housing Association or Council Homes into home owners. Available to employed or self-employed buyers for up to 100% of the discounted purchase prices, they come with a choice of a two or five-year fixed rate option at up to 75% LTV of the open market value. And, your client will benefit from a free valuation and no completion fee.


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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.