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Failed Credit Score lending

​Mortgages without the forgone conclusion

A less-than-perfect financial past requires a mortgage lender that can assess each case on its own merit, because there are so many reasons a person might have suffered a poor credit rating.

At Kensington, we are experienced enough to know that financial issues of the past don't always reflect the future, so we have created a more inclusive set of lending criteria and can look at each application individually.

All of this means that we are able to make decisions based on the whole picture, not just on the outcome of a credit search.

 Product features:

 Ability to consider

  • Up to 2 unsecured missed payments in last 12 months, if now up to date
  • Defaults, secured loan arrears or satisfied CCJs if older than 24 months
  • Can consider unsatisfied CCJs older than 24 months
  • All communications defaults ignored

Perfect for: 

  • Customers in performing debt management plans
  • Clients who have experienced a life event, such as divorce, illness or redundancy
  • People who have disputed a bill with a provider and pick up a blip on their credit record
  • Borrowers with thin credit files

Failed Credit Score Case Study Video

Failed Credit Score Case Study [Download Guide]

Search our Lending Policy

New Premier Range

Select Rates

75% LTV

Rate Type / Term Rate  Feature Completion Fee Reversion
2 Year Fixed 2.49%  None £999 LIBOR plus 4.00%*
3 Year Fixed 2.79%  None £999 LIBOR plus 4.00%*
5 Year Fixed 3.24%  None £999 LIBOR plus 4.00%*
2 Year Fixed 3.14%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.00%*
3 Year Fixed
3.19%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**
£0 LIBOR plus 4.00%*
5 Year Fixed 3.44%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.00%*



90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

80% LTV

Rate Type / Term Rate  Feature Completion Fee Reversion
2 Year Fixed 2.59%  None £999 LIBOR plus 4.00%*
3 Year Fixed 2.89%  None £999 LIBOR plus 4.00%*
5 Year Fixed 3.34%  None £999 LIBOR plus 4.00%*
2 Year Fixed 3.24%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.00%*
3 Year Fixed
3.29%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**
£0 LIBOR plus 4.00%*
5 Year Fixed 3.54%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.00%*




90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

85% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 2.99%  None £1,299 LIBOR plus 4.20%*
3 Year Fixed 3.24%  None £1,299 LIBOR plus 4.20%*
5 Year Fixed 3.64%  None £1,299 LIBOR plus 4.20%*
2 Year Fixed 3.59% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.20%*
3 Year Fixed 3.64%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*
5 Year Fixed 3.84%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*



90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

90% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 3.74%  None £1,299 LIBOR plus 4.20%*
3 Year Fixed 3.99%  None £1,299 LIBOR plus 4.20%*
5 Year Fixed 4.49%  None £1,299 LIBOR plus 4.20%*
2 Year Fixed 4.34% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.20%*
3 Year Fixed 4.39%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*
5 Year Fixed 4.69%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*




90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

Residential Rates

75% LTV

Rate Type / Term Rate  Feature Completion Fee Reversion
2 Year Fixed 2.64%  None £999 LIBOR plus 4.00%*
3 Year Fixed 2.94%  None £999 LIBOR plus 4.00%*
5 Year Fixed 3.39%  None £999 LIBOR plus 4.00%*
2 Year Fixed 3.29%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.00%*
3 Year Fixed
3.34%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**
£0 LIBOR plus 4.00%*
5 Year Fixed 3.59%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.00%*



90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

80% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 2.74%  None £999 LIBOR plus 4.00%*
3 Year Fixed 3.04%  None £999 LIBOR plus 4.00%*
5 Year Fixed  3.49%  None £999  LIBOR plus 4.00%*
2 Year Fixed 3.39%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.00%*
3 Year Fixed 3.44%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.00%*
5 Year Fixed 3.69%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.00%*


90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

85% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 3.14%  None £1,299 LIBOR plus 4.20%*
3 Year Fixed 3.39%  None £1,299 LIBOR plus 4.20%*
5 Year Fixed 3.79%  None £1,299 LIBOR plus 4.20%*
 2 Year Fixed 3.74% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.20%*
3 Year Fixed 3.79%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*
5 Year Fixed 3.99%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*


90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

90% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 3.99%  None £1,299 LIBOR plus 4.20%*
3 Year Fixed 4.24%  None £1,299 LIBOR plus 4.20%*
5 Year Fixed 4.74%  None £1,299 LIBOR plus 4.20%*
2 Year Fixed 4.59% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.**  £0 LIBOR plus 4.20%*
3 Year Fixed 4.64%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*
5 Year Fixed 4.94%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages.** £0 LIBOR plus 4.20%*



90% LTV available via Limited Distribution only.

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Year Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4, 1.00% in Year 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2