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First Time Buyer lending - based on the buyer, not their score

Taking a first step onto the housing ladder is never easy, and if your client’s work or credit history means that they don’t fit a standard mortgage application it can seem like mission impossible. But it doesn’t have to be. At Kensington, we will look at all of their circumstances, with decisions made by experienced underwriters who understand that sometimes life isn’t straight-forward. 

So, if you have a First Time Buyer client who is self-employed, earns multiple or variable income, has historic credit issues or a low credit score, helping them to make the first step onto the ladder to be more achievable than you think.


Product features:
We can still consider your client if they 

  • Have 12 months accounts from self-employment 
  • Have 12 months history as a contract worker
  • Want to include bonus or overtime in their affordability assessment
  • Have a black mark on their credit file

Perfect for: 

  • Self-employed
  • Contractors
  • Historic credit issues
  • Low credit score
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