Home of the Self-Employed Mortgage
15% of the UK workforce is self-employed†. Many don’t apply for a mortgage for fear of rejection.

We’re on a mission to change things.  Whether you’re self-employed, a contractor or freelancer, a croupier, builder, start-up entrepreneur or dentist, our range of mortgages are designed to work for you. 

†ONS Trends in self-employment in the UK – Feb 2018

We make things easier

Mortgages shouldn’t be complicated just because you’re self-employed. So when your broker applies for a Kensington mortgage we go out of our way to make the process as easy as possible. It’s our way of helping them get you the mortgage you need sooner, rather than later. 


One size doesn't  fit all

As the UK’s leading specialist mortgage lender, we’ve always seen things differently and don’t believe in the one size fits all approach of high street lenders. That’s why our lending criteria is designed to flex with your individual circumstances and we use human underwriters to assess your application rather than relying on automated credit scoring. And your broker has a wide range of Kensington mortgages to choose from so they can select the one that’s the best fit for you. 


Our flexible lending criteria
  • We can work off the latest year’s accounts for the self-employed
  •  We only require 1 year’s trading history (or 2 years trading if your deposit is less than 15%)
  • Contractor income is calculated on your current weekly contract x46 weeks
  • We offer Large Loans: £2m up to 80% Loan to Value/£1m if 90% Loan to Value
  • We accept share of your latest year’s net profit and salary
  • You’ll pay the same interest rates as employed customers
  • We don’t place restrictions on professions
  • We accept Debt Management Plans


The little extras
  • You won’t pay any upfront application fees
  • You’ll benefit from free valuation and legal fees OR a free valuation and £250 cashback


Ready to take the next step

If you’re interested in our mortgages for the self-employed why not use our mortgage calculator to see how much you could borrow with us. If you like what you see, have a chat with your broker who will be able to talk through our rates and your options in more detail. 

If you don’t have a broker, we can help with that too. Our recommended broker Climb has a team of experts who will be happy to give you fee FREE advice from application, approval and all the way through to completion. You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

Visit Climb Specialist Mortgages 

Please be aware mortgages are secured against your home and your home may be repossessed if you do not keep up repayments on your mortgage. 

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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.