Complex income mortgages
Because complex income doesn’t need to be complex.
Place your case Place your case
The detail
When your client has more than one source of income, while other lenders may see complexity, 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.
Whether it’s their first home or last, we use human insight to make our decisions rather than just relying on machines.
Use our mortgage calculator to work out how much your client could borrow with us.
Discover the Kensington difference...
Regular overtime accepted
Regular performance bonus accepted
Second job income accepted
We can help your clients including...
Sales executives whose annual salary is made up of a high proportion of commission
NHS professionals working extra shifts in the private sector or on a contractual basis
Full time office workers with part time second jobs
Business owners and entrepreneurs, workers in the gig economy
Bank workers whose bonus package includes vested shares
Can we help your other clients?
Self employed
1. Affordability based on latest year’s accounts
2. No restriction on professions
3. Multiple income streams considered
Buy to Let
1. Up to 80% LTV
2. Limited Company assessed on SPV portfolio only
3. Maximum age at application: 70