Hero Mortgage Range | Key Worker Mortgages

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broker.queries@kensingtonmortgages.co.uk

FOR THE HEROES AMONGST US

Introducing our Hero Mortgage range, for employed essential skilled workers who provide vital community services

We understand that certain professions require real people to underwrite their case, and not rely on credit scores and system generated responses.

That’s why we use real people in our decision making, and treat each case individually. Plus, we have flexible lending criteria to meet your clients needs, including taking into account overtime and second job income, whilst considering limited credit history and debt management plans.

Make it happen. Make them a homeowner.

PLACE A CASE NOT REGISTERED?

SUITABLE FOR

NHS Clinicians (including Paramedics & Nurses)
Teachers
Armed Forces Personnel (Army, Navy, RAF)
Firefighters
Police

KEY CRITERIA

Maximum age at application: 40
Up to 5x income
Overtime taken into account
Debt management plans considered
Cashback options available

View Lending Criteria View Product Guide

Using data and insight to create the right product

Press play to find out how we use Vector, our data modelling tool, to power our product range:

Is your client one of our nation's heroes?

ARMED FORCES

There's over 150k people in the Army, Navy and RAF*.

They provide us with protection around the clock, often away from their families for long periods of time, longing for the comforts of home. That’s why we’re proud to help our nation’s servicemen into their perfect home.

For your client in the armed forces we can offer either a Heroes Mortgage, calculating their affordability at up to 5 x income or we have the Forces Help to Buy Mortgage, so your client can benefit from the Government Scheme to maximise their deposit.

FIND OUT ABOUT FORCES HELP TO BUY

TEACHERS

There's over 1.5 million working in the education sector*.

Your teacher client is sharing their wisdom and knowledge to nurture and shape our future generations… and we understand that their work doesn’t finish when the bell rings.

For those starting out in their careers it can seem like they will never be able to afford their own property. That’s why we have no minimum income requirement, and assess each applicant’s affordability individually – so we can help them to become home owners.

VIEW LENDING CRITERIA

NHS CLINICIANS

With 1.7 million people working for the NHS*, it’s highly likely you will come across a client who is eligible for the Hero Mortgage.

Whether it is an accident causing for emergency assistance, or treatment requiring aftercare, we rely on your client to care for us and our loved ones. Now it’s time for us to care and help them onto the property ladder.

Providing healthcare isn’t a 9-5 job, that’s why we’re pleased to take into account 100% of your clients’ overtime when assessing their affordability.

PLACE YOUR CASE

POLICE & FIREFIGHTERS

Nearly 300k men and women are working as police officers* and firefighters^.

Supporting us with help and hope when we need it most, we want to give some back to them and help them achieve their dream home.

That’s why we have a range of new enhancements for your clients in this sector, including a £250 cashback option. Plus, we can consider 100% of a second job income, where your client has had both jobs for a minimum of six months.

*Office of National Statistics
^gov.uk

Can we help your other clients?

SELF-EMPLOYED

Affordability based on latest year's acounts

No restrictions on professions

Multiple income streams considered

Self-employed Mortgages

BUY TO LET

Up to 75% LTV

Limited Company assessed on SPV portfolio only

Maximum age at application: 70

View Buy to Let Guide