Northern Ireland

Something specialist has arrived!

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The first specialist lender in Northern Ireland

Complex lending, including for the self-employed and contractors

Buy to Let lending, including for Limited Companies

Communications defaults ignored

Key Information For You And Your Clients

Up to 80% LTV on Residential and Buy to Let products

Minimum loan amount £25,000

Maximum loan amount £500,000

Discover the #KensingtonDifference

We design mortgages to meet your client's different needs and circumstances. Whether your client is self-employed, has more than one income, or is buying a property to let, find out how we make specialist mortgages, special.

Complex incomes

We'll accept income such as overtime, second job, investment and pension income. We can also accept CIS contractors, zero-hour contract workers and agency workers.

Complex income mortgages

The Hero Mortgage

For the heroes; nurses, paramedics, teachers, firefighters, police, the Armed Forces and more. We'll lend up to 5x their income, subject to affordability.

The Hero Mortgage

The eKo Mortgage

For those who want to do their bit for the environment. Our eKo Cashback Mortgage pays your client £1,000 when they improve their homes energy efficiency*.

The eKo Mortgage

Self-employed

From sole traders to company directors, we'll work with your clients' latest set of accounts. We'll also consider their application if they've recently started a Limited Company.

Self-employed mortgages

New builds

Have a client buying a new build? We'll accept gifted deposits from immediate family members. We can also accept builders' gifted deposits' up to 5%.

Mortgages for new build

Limited Companies

With our Buy to Let mortgages for Limited Companies, you won't need to submit a formal business plan. And, we'll only assess the existing properties the Limited Company owns.

Limited Company

* Subject to product terms and conditions