Home of the Hero Mortgage
Introducing our Hero Mortgage range, for those of you who provide vital community services

We appreciate the hard work you put in to helping our Nation run, whether it is protecting us, educating us, saving us or helping us. So we know that you’ll want a stress free mortgage which suits your needs.

That’s why our underwriters review each and every application individually. Plus, we have flexible lending criteria, including taking into account overtime and second job income, whilst considering limited credit history and debt management plans.

By offering this special range, we want to help you, one of our Nation’s heroes, become a homeowner or remortgage your home.

Apply today Your Mortgage Journey
  
SUITABLE FOR

NHS Clinicians (including Paramedics & Nurses)
Teachers
Armed Forces Personnel (Army, Navy, RAF)
Firefighters
Police

KEY CRITERIA

Maximum age at application: 40
Up to 5x income
Overtime taken into account
Debt management plans considered
Cashback options available

Helping you onto and up the property ladder
ARMED FORCES

You provide us with protection around the clock, and are often away from your family for long periods of time. That’s why we’re proud to help you secure your ideal home. 

As a member of the armed forces we can offer either a Hero Mortgage, calculating the amount you can borrow at up to 5 x income, or we have the Forces Help to Buy Mortgage so you can benefit from the Government Scheme to maximise your deposit. 

 
Find out about Forces Help to Buy 
TEACHERS

You share your wisdom and knowledge to nurture and shape our future generations… and we understand that your work doesn’t finish when the bell rings. 

If you’re starting out in your teaching career it might seem overwhelming to be able to afford your own property. That’s why we have no minimum income requirement, and assess your affordability individually… so we can help you become a home owner. 

 
Apply today 
NHS CLINICIANS

Whether it is an accident causing for emergency assistance, or treatment requiring aftercare, we rely on you to care for us and our loved ones. Now we want to care for you, by helping you onto the property ladder. 

We know your work isn’t just 9-5, that’s why we can take into account 100% of your overtime when we assess your affordability.

 
Apply today 
POLICE & FIREIGHTERS

You support us with help and hope when we need it most, so we want to give something back by helping you own your dream home. 

That’s why we offer a range of features, including £250 cashback. Plus, we can consider 100% of your second job income, where you’ve had both jobs for a minimum of six months. 

 
Apply today 
Using data and insight to create the right products

Press play to find out how we use Vector, our data modelling tool, to power our product range:

Want to know more about us?
WHY CHOOSE US?

Supported by dedicated mortgage experts

Reviewed by our underwriters, not just machines

Flexible lending criteria that takes into account real life situations

Find out more 
OUR RESIDENTIAL RANGE

Free valuations and no legal fee options for remortgages

Up to 100% of regular overtime / bonus considered

Investment and second job income allowable

View our residential mortgages 
Where to go next
New to Kensington?

Get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage through Climb Specialist Mortgages on 020 3887 9133.

Visit Climb Specialist Mortgages 
Existing Customers

We are always happy to talk to you and answer any questions you may have about your mortgage.

Connect with us

Please be aware mortgages are secured against your home and your home may be repossessed if you do not keep up repayments on your mortgage. 

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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.