Complex Income Mortgages
Because complex income doesn’t need to be complex

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

  • Vested shares accepted
  • Investment income accepted
  • Underwriter decision – not automated score
  • No application fees 
For further details see our full lending criteria.


We can help your clients who are...
  • 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?

Affordability based on latest year's accounts

No restrictions on professions

Multiple income streams considered

Self-employed Mortgages 

Up to 85% LTV

Limited Company assessed on SPV portfolio only

Maximum age at application: 70

View Buy to Let Guide 
Have a case to discuss gesture
Contact our BDM unit
New enquiries
0800 111 020
Existing cases
03444 99 00 11
Already have an account?

Login to our online portal to submit or access your client's mortgage application.

New to Kensington?

You can submit your client's mortgage application by registering your company using our online portal.

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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.