For the last 25 years, we've been leading the way in offering specialist mortgages to people whose circumstances fall outside the lending criteria of the high street lenders.
At Kensington, we do things differently. We start with a flexible approach so that we can always try to accommodate your individual circumstances.
We do that by using real people to assess your mortgage application and make our lending decisions, so we don't have to just rely on what the computer says. And when your mortgage adviser submits your application, we go out of our way to make the process as simple as possible.
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 £80,000 and the property must have a minimum value of £75,000.
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.
LEARN MOREIf 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.
Learn MoreIf 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*.
LEARN MORESometimes 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%.
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.