Residential

Our mortgages come with lending criteria that’s designed to be as flexible as your client needs it to be.  And now, with our new range of Young Professionals and Later Life lending to complement our existing Select, Core and Options products, they also make it easier for you to tailor our mortgages to meet the needs of your clients at every stage of their lives.

Product Guide Product Finder

Five great reasons to choose us

Personal Business Development contact

Self Employed based on 1 years accounts

Enhanced affordability for Higher Earners and Young professionals

Underwriter decision – not automated score

LTVs to 95%

Products
Suitable for:

Lending Criteria:

When your client has more than one source of income, while other lenders may see complexity; at Kensington, we see an opportunity to help.  Our underwriters give each application the time it deserves, assessing each case and using their expertise to build the bigger picture so you can find the mortgage that’s right for your client.   And whether it’s their first home or last, we use human insight to make our decisions rather than just relying on machines.

Need more details?
Suitable for:

Lending Criteria:

If there’s ever a time when your clients need a mortgage lender that’s going to be flexible, it’s when they’re contracting.   The combination of lending criteria designed to be flexible with the expertise of our underwriters means that we can offer mortgages that meet the specific needs of those who prefer to contract. 

Need more details?
Suitable for:

Lending Criteria:

There are many reasons why your clients may have a low credit score which is why we don’t just look at the financial difficulties they may have experienced in the past.   Our underwriters are trained to look beyond failed credit scores to gain a deeper understanding of your client’s circumstances so that you can help them find the mortgage that’s right for where they are today.

Need more details?
Suitable for:

Lending Criteria:

If your client is looking to buy their first home but doesn’t fit the criteria of other lenders, our flexible lending criteria can make a mission impossible, possible.  We use human underwriters to give us a more in-depth understanding of each mortgage application which  means that we can consider your clients even if they only have a 5% deposit, a year’s history as a contractor or a small credit ‘blip’ on their file.

Need more details?
Suitable for:

Lending Criteria:

We support the Government’s Help to Buy Equity Loan scheme which enables buyers with a deposit of at least 5% to purchase a new build home.  Help to Buy Equity Loans are available in England (including the London scheme) and Wales.   It’s just one of the ways we want to help your clients get on the housing ladder.

Need more details?
Suitable for:

Lending Criteria:

Our Later Life mortgage range caters for your clients who are over the age of 55 and want to take their mortgage into retirement and beyond the age of 75.  The mortgages are available with two, five and ten-year fixed term rates, and up to 70% LTV on a repayment basis, with a maximum age of 89 at the end of the repayment term.

Need more details?
Suitable for:

Lending Criteria:

Our Premier mortgage range was created for those clients looking for a higher value loan from £500k to £2m.  Our underwriters will personally call you to discuss your client’s application and build a detailed understanding of their income.  One of the best things about Premier is that it offers a range of options which allows us to include a number of income sources such as bonus payments, latest figures for self-employed applicants and up to 100% of earned income.

Need more details?
Suitable for:

Lending Criteria:

From kitchen table entrepreneurs to fledgling business owners and established company directors, our mortgages for business owners offer flexible lending criteria so you can work with your client to find the mortgage that’s the best fit not only for their circumstances, but their needs too.

Need more details?
Suitable for:

Lending Criteria:
Our Right to Buy Mortgages help turn tenants who live in Housing Association or Council Homes into home owners. Available to employed or self-employed buyers for up to 100% of the discounted purchase prices, they come with a choice of two, three and five-year fixed rate options at up to 75% LTV of the open market value.  And we also offer free valuation and no completion fee options. 
Need more details?
Suitable for:

Lending Criteria:

Our Young Professionals mortgages are tailored to meet the needs of your clients who are qualified doctors, dentists, solicitors, chartered accountants, actuaries, barristers and commercial pilots.  We recognise that careers like these have greater earning potential than other professions so we’ve tailored our lending criteria to include enhanced affordability. To qualify for the Bright Futures mortgages, your clients need to be registered with the appropriate UK professional body and practicing in their specific field.

Need more details?

Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.