FIRST-TIME BUYER MORTGAGES

When you’re looking to buy your first home, it’s good to know that our mortgages come with flexible lending criteria. It means that we can consider circumstances that mainstream lenders can’t always accommodate.

Unlike some high street lenders, we don’t just rely on computers to make our lending decisions; we use real people.

THE MORTGAGES WE OFFER

We design mortgages to meet the different needs and circumstances our customers have. They're specially arranged through approved mortgage advisers who will be able to talk you through the mortgages and options that could be available to you. And just so you know, for our residential mortgages you'll need to borrow at least £25,000 and the property must have a minimum value of £75,000. 

Self-employed

We can work with all types of self-employees, whether you're a sole trader or company director. We'll work with your latest set of accounts, and we'll consider your application even if you’ve recently started a Limited Company.

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Mortgages for Heroes

If you're aged 40 or under and 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. Plus, we’ll also take overtime into account.

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The eKo Mortgage

If you want to do your bit to help the environment, our eKo Cashback Mortgage could be for you. We'll pay you £1,000 when you make improvements that make your home more energy efficient*.

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New builds

Sometimes only new will do so if you’re looking to buy a brand new property, we can accept your house builder’s deposit of up to 5%.

More than one income

Traditional mortgages are usually created for those with a straightforward, basic salary but as a specialist lender, we can accommodate you if you have more than one source of income.

Government schemes

We’re proud to support a range of government-backed initiatives, including the Help to Buy equity loan, Right to Buy and the Scottish First Home Fund scheme.

*subject to the product terms and conditions.

HOW WE MAKE THINGS EASIER

  • Guide to the mortgage process
    Our helpful guide takes you through the mortgage process from start to finish, so you'll know what to expect at every stage.
    THE APPLICATION PROCESS
  • Before you apply
    We’ve put together a helpful list of some of the key things you and your adviser will need to consider before they apply for a Kensington mortgage.
    GET MORTGAGE READY
  • Why choose Kensington
    As a specialist mortgage lender, we know that no two people or their circumstances are the same. That's why we've always celebrated differences.
    THE KENSINGTON DIFFERENCE
  • Getting advice and help
    How to get the advice and help you need to find the mortgage that may be suitable for your circumstances.
    GETTING MORTGAGE ADVICE

    WHAT OUR CUSTOMERS SAY

    READY TO TAKE THE NEXT STEP?

    Use our Mortgage Match tool to find the Kensington mortgage that might meet your needs. Find out if you're eligible in just 60 seconds, and it won't affect your credit score.

    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.