We don't believe that you should be penalised if you don’t meet the one size fits all approach of mainstream mortgage lenders. That's why we use our expertise to develop mortgages that work with your circumstances, and not against them.

We do this by ensuring our mortgages come with lending criteria that allows us to be more flexible when we look at your application form. What this means is that whilst we always lend responsibly, we don’t just rely on credit scores and algorithms to make our decisions. Instead, we use real people with years of experience, who are trained to see the people behind the tick boxes on an application form. It’s this head and heart approach that we like to call the Kensington Difference.