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New residential lending from Kensington Mortgages

We understand that your clients aren’t all the same. So our new range treats them as individuals. We've introduced a new 'Select' range where rates improve depending on your clients’ circumstances. 

  • Self-Employed
    - 1 year trading
  • Credit history
    - No credit score…underwriter decision
    - Satisfied CCJ’s, secured loan arrears and defaults ignored over 24 months (36 months for Select)
  • First Time Buyer
    - Up to 90% LTV
    - Free valuation fees
    - Limited or no credit history
  • Help to Buy Equity Loan
    - Available for England, Wales and London
  • Special Reversionary rates now available

Search our Lending Policy


Complex Income mortgages

If your client's income is supplemented by regular overtime, bonuses or a second job, we have the straightforward answer to complex income cases. Find out more >

Self-Employed mortgages

Our insight and wider evaluation of a person’s finances can enable us to make a decision on an individual's circumstances. Just the job for clients who are their own boss. Find out more >

First Time Buyer mortgages

With loans available up to £500K, we’ll help you to help your clients take that first step into home ownership. Find out more >

Failed Credit Score mortgages

Lending decisions based on intelligent consideration rather than tick boxes. Our underwriters make lending decisions that look beyond a limited credit history. Find out more >

Contractor mortgages

With a more understanding approach to underwriting, we consider 12 months contracting history when assessing cases for your Contractor clients. Find out more >

New Build Residential mortgages

With a more understanding approach to underwriting, we are now able to consider your clients who are looking to purchase a New Build property. Find out more >

Premier lending

Higher value mortgages often mean more complex incomes and higher service expectations. Which is why we created Premier. It gives you the access to our underwriters and an appetite to lend which has been our hallmark for 20 years. Find out more >

Forces Help to Buy mortgages

Our Forces Help to Buy service is the perfect demonstration of our simply specialist approach. We look beyond the complexity of each individual case, to provide the mortgage your Armed Forces clients’ deserve. Find out more >