0330 303 0236




Kensington have been writing mortgages for real life for more than 22 years, so have one of the most experienced teams in the business. Each application is judged on its own merit, and if it fits their criteria, they will always look to do the deal.

Kensington will always give you straight answers, explain their decisions and do everything they can to help and to say yes.

Lender Features


  • Lending decisions on latest year’s figures
  • Share of net business profits plus salary for joint and sole company directors
  • Mortgages for business owners recently switched from sole trader to Ltd company


  • Contractors who have recently switched from salary to contract within the same sector
  • Clients working on a contract who have also failed a credit score
  • Contractors who work in a sector outside of the traditional favoured by other lenders

Higher Earners

  • Interest Only up to 75% LTV for clients who earn more than £75k, with repayment strategy
  • Maximum loan size £2m
  • Can include all of your client’s additional earned or investment income

Failed Credit Score

  • 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

Buy to Let

  • Rental cover: 125% of 5.50%
  • No personal income required unless First Time Landlord
  • Decisions made by an underwriter, not a credit score

Types of mortgages available


  • Complex Income mortgages
  • Self-Employed mortgages
  • First time buyer mortgages
  • Failed credit score mortgages
  • Contractor Mortgages
  • Help to Buy equity loan
  • New build residential
  • Premier lending
  • Forces help to buy
  • Right to buy

Buy to let

  • First time landlords
  • Experienced landlords
  • Let to buy

Lender Address:

Ascot House,
Maidenhead Office Park,


0800 111 020.