The Hero mortgage range
For the heroes amongst us

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

Your client can borrow up to 5 times their income.

Available to NHS clinicians, teachers, police officers, firefighters and more.

Place a case

The benefits of the hero mortgage range

Our flexible lending criteria on the Hero Mortgage range is designed to meet the needs of your key worker clients:

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Max age 40 at application for the main applicant

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Your client can borrow up to 5 times their income

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100% of overtime and second job income accepted

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Joint applications accepted

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Debt management plans considered

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Cashback options available

Is my client eligible?

We can accept applications on our Hero Mortgage range from clients employed in the public sector. This includes: 

  • NHS clinicians
  • Paramedics
  • Nurses
  • Teachers and lecturers
  • Members of the Armed Forces (Army, RAF and Navy)
  • Firefighters
  • Police

Example hero clients

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NHS clinicians regularly working overtime 

Providing healthcare isn’t a 9-5 job. That’s why we'll take into account 100% of your clients’ overtime when assessing their affordability.

Firefighter uniforms hanging up
Firefighters working two jobs

We'll take into account 100% of second job income, where your client has had both jobs for at least six months. Plus, we have cashback options available.

Teacher at whiteboard
Applicants with small blips on their credit file

Whether they're a teacher, or are in the armed forces, we'll consider applicants who have small blips on their credit file, like a missed credit card payment.

Useful links for you

Download our residential product guide to find what products are available.
Use our residential calculator to see how much your client could borrow.

Frequently asked questions

Our Hero Mortgage range is available to clients employed in the public sector, providing a vital service to the community. In particular, in the police, health, or education sectors.

This includes emergency services and HM Forces, such as:

  • Police officers
  • Firefighters
  • Ambulance drivers
  • Hospital nursing staff
  • Army, Navy or RAF personnel

It also includes professions in education, such as:

  • Primary, secondary and 6th form teachers
  • College lecturers
  • University lecturers

We can accept applicants who work for the NHS in a clinical role, providing care to patients. This includes:

  • Nursing
  • Medicine
  • Midwifery
  • Physiotherapy
  • Radiography
  • Counselling

We're unable to accept applicants who work in non-clinical roles on our Hero range. This includes receptionists, accountants, IT specialists and caterers.

Yes, we can accept joint applications on our Hero Mortgage range.

At least one of the applicants must be employed in a qualifying 'Heroes' profession.

The income from both applicants will benefit from our enhanced affordability.

We're unable to accept self-employed and contractor applicants on our Hero Mortgage range.

Our Select credit criteria applies to our Hero Mortgage range.

Download our Credit History Criteria Guide to see all our credit criteria at a glance.

We're unable to accept applications where the applicant wishes to combine our Hero range with the Help to Buy scheme.

You might also like

Forces Help to Buy

For armed forces personnel looking to get on the property ladder.

The Forces Help to Buy Government scheme allows your client to borrow up to 50% of their salary, interest-free.

Learn more about Forces Help to Buy 

For your clients who are practicing doctors, dentists, barristers and more.

Our mortgages for young professionals offer enhanced affordability to take into account the earning potential your clients have.

Mortgages for young professionals 
Have a case to discuss gesture
Contact our BDM unit
New enquiries
0800 111 020
Existing cases
03444 99 00 11
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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.