HOME OF THE
HERO MORTGAGE

Our Hero range was specially developed for the ones our nation couldn’t do without - the NHS clinicians, the police and firefighters, teachers and those in the armed forces.

We don’t just clap for Heroes, we help them to own homes too.

HELPING YOU ONTO AND UP THE PROPERTY LADDER

When your mortgage adviser recommends a Kensington Hero mortgage, our underwriters personally review your application so that they can take your individual circumstances into account in a way that fully automated processes can’t. Plus, we have flexible lending criteria which means we can consider overtime and second job income as well as limited credit history and debt management plans.

WHO OUR HERO MORTGAGES ARE FOR

If you’re aged 40 or under and work in the professions listed below, our Hero mortgage could be you. If you’re eligible, you may be able to borrow up to 5x times your income which could help you buy a home nearer to where you work.

NHS Clinicians

When we're in need of treatment and care, we rely on you. Now we want to help you by making it easier for you to get onto the property ladder, move home, or remortgage.  

As we know your work isn't 9-5, we can take into account 100% of your overtime when we assess your affordability.

Teachers

You share your wisdom and knowledge to nurture and shape future generations, so we’d like to help this generation of teachers get the mortgage they need.    

Even if you're just starting out in your teaching career, we have no minimum income requirements and always assess your affordability on an individual basis.

Police and Firefighters

You support us when we need it most, so we want to give something back by helping you own your own home.

We offer a range of features including £250 cashback. Plus, we can consider 100% of your second job income where you’ve had both jobs for a minimum of six months.

Armed Forces

You provide us with protection around the clock, which often means being away from loved ones for long periods of time. That’s why we’re proud to help you secure your ideal home.

As a member of the armed forces your mortgage advisor can select our Hero mortgage which enables you to borrow up to 5x your income, or the Forces Help to Buy Mortgage which lets you benefit from the Government Scheme to maximise your deposit.

THE BENEFITS OF A KENSINGTON HERO MORTGAGE

You could borrow up to 5 times your income
We'll take into account any overtime and second job income
Debt management plans considered
Cashback options available

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 your adviser submits your application 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.