For over 25 years, we’ve been offering mortgages designed to work with your circumstances, and not against them.

You may not need to put your plans on hold

We specialise in providing mortgage solutions for those whose circumstances may not always meet the lending requirements of mainstream lenders. We do things differently, with flexible lending criteria that means we can consider circumstances that other lenders can’t.

We also use real people to assess your mortgage application with a team of expert underwriters trained to look at your circumstances with an open mind.

Who we are

We’re the UK’s leading specialist residential lender, here to help as many people as we can get the mortgages they need and we’re proud to say that we’ve won awards for what we do.

You won’t find us on the high street as our mortgages are specially arranged through approved mortgage brokers. And when your broker submits your case, we go out of our way to make the process as easy, and as stress free, as we can.


We don’t take a one size fits all approach and expect people to have the same circumstances or needs. That’s why we create mortgages that could help you if:

You are an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman, or a member of the Armed Forces, we could lend you up to 5 times your income, depending on your circumstances. Plus, we’ll also take overtime into account.
You’re self-employed, freelancing, contracting or have more than one income.
You have a low-deposit.
You’re looking to boost your borrowing power.
You're looking for an eco friendly mortgage.

Mortgages created
with you in mind

Whether you're a first time buyer, moving home or remortgaging, we have a range of products from green mortgages, to long-term fixed rate mortgages to our variable rate tracker mortgage.

Plus, when your broker applies for a Decision in Principle, we don't do hard credit searches which means that it won't affect your credit rating.

Explore our mortgages

We're rated excellent on Trustpilot

Award-winning, and here to help

MF22 multiWIN-onlinemrtprv
WMA_2022_Logo_Best Specialist Lender_Winners_3years-01-01-01
Personal Finance Awards Best Intermediary Lender


If you would like to know more about our mortgages, you can chat to your own broker but if you don’t have one, you might want to contact Like Mortgage Advice* who can offer advice on Kensington’s products without any obligation or cost to you, both before and during the mortgage application process.

Please note, Like Mortgage Advice can only advise you on Kensington Mortgage products and do not advise on products provided by any other lenders.

You can call them direct on 0203 827 8940 or email them at

If you prefer, you can find your own broker by visiting where you’ll find a list of mortgage advisers to choose from.

*Like Mortgage Advice Limited is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284).