First Time Buyer Mortgages
Helping your first time buyer clients onto the property ladder

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.

Our underwriters treat each case individually, giving us a more in-depth understanding of each mortgage application. This means that we can consider your first time buyer clients even if they only have a year’s history as a contractor, or a small credit ‘blip’ on their file.

Use our mortgage calculator to work out how much your client could borrow with us.

View Product Guide Try our Calculator

We define first time buyers as those who have not held a mortgage or owned an unencumbered property in the last 12 months.

Discover the Kensington Difference...

Loans available up to 85% LTV, including New Builds

Limited or no credit history considered

Loans available up to £1 million


  • Help to Buy equity loan available in England (including London), Wales and Scotland for purchases and remortgages
  • Gifted deposits from immediate family members accepted
  • Self employed based on 1 years accounts
  • Free valuation included
  • Underwriter decision – not automated score
For further details see our full lending criteria.


We can help your clients including...
  • Contract workers with 12 months history
  • Those wanting to include bonus or overtime in their affordability assessment
  • Those with a small credit 'blip' on their file


Can we help your other clients?

Affordability based on latest year’s accounts

No restriction on professions

Multiple income streams considered

View Product Range 

Maximum age at application: 40

Up to 5x income

100% of overtime taken into account

View our Hero Mortgage range 
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.