It might seem obvious but no two landlords or their circumstances are the same which is why our approach to mortgages is deliberately different. We don’t just rely on algorithms and credit scores; we use real people to make our lending decisions, who are trained to see beyond the tick boxes on an application form.
We don't believe that you should be penalised if you don’t meet the one size fits all approach of mainstream mortgage lenders. That's why we use our expertise to develop mortgages that work with your circumstances, and not against them.
We do this by ensuring that our mortgages come with lending criteria that allow us to be more flexible when we look at your application form and whilst we always lend responsibly, we don’t just rely on credit scores and algorithms to make our decisions. Instead, we use real people with years of experience, who are trained to see the people behind the tick boxes on an application form. It’s this head and heart approach that we like to call the Kensington Difference.