Self-employed Mortgages

From kitchen table entrepreneurs to fledgling business owners and established company directors, our mortgages for the self-employed offer flexible lending criteria so you can work with your client to find the mortgage that’s the best fit not only for their circumstances, but their needs too.

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

View Product Guide Try our calculator
Discover the Kensington Difference...

1 year trading (2 years trading if over 85% LTV)

Based on most recent year's trading

Share of net business profits plus salary considered
  • Personal Business Development contact
  • Accept latest SA302 and Tax Year overview
  • Cashback options available
  • Underwriter decision – not automated score
  • No application fees 
For further details see our full lending criteria.


We can help your clients who are...
  • New business owners
  • Longstanding business owners
  • Entrepreneurs whose business profits have fluctuated
  • Company Directors who choose to retain profits within their business
  • Existing business owners who have switched status from sole trader to a Limited Company


Can we help your other clients?

Enhanced affordability - up to 6x income

Loans available up to 90% LTV

Maximum age at application: 40

View Product Range 

Up to 85% LTV

Limited Company assessed on SPV portfolio only

Maximum age at application: 70

View Buy to Let Guide 
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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), 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.