Residential Mortgages
Whether you’re buying your very first home, are remortgaging or looking to move… our mortgages are designed to work for you
As the UK’s leading residential specialist mortgage lender*, we do things differently. We celebrate individuality and specialise in mortgage applications the high street lenders call ‘non-standard.’ We see those cases as standard because we know that life doesn't always follow a straight line.  
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The benefits of choosing a Kensington mortgage

Dedicated underwriters assess your application

Investment and second job income accepted

Up to 100% of regular overtime/bonus considered

The little extras 

No legal fees for remortgages

No upfront application fee charges

 

*Source: – Twenty7Tec Mortgage Illustrations – June – Nov 2018

Self-employed

From sole traders to company directors, we can work with all types of self-employees. We can usually work with your latest set of accounts and we’ll still consider your application even if you’ve recently started a Limited Company.   

Self-employed mortgages 

First time buyers

Our flexible lending criteria and range of products such as Help to Buy and Right to Buy means we can consider your application even if you’re self-employed, have multiple or variable incomes, a 5% deposit or less than perfect credit. 

First time buyer mortgages 

Help to Buy

We support the Government backed equity loan scheme. Loans are available in England (including the London scheme) Wales and Scotland, and help first time buyers and home movers buy a new build home, even if you only have a 5% deposit. 

 

Brighter Futures

For young qualified professionals aged 40 and under such as qualified doctors, dentists, lawyers, commercial pilots  accountants, and barristers. Up to 6 times income available based on affordability. We’ll also consider a maximum loan size of £500,000 if you have at least 10% deposit. 

 

Later life mortgages

For you if you’re nearing or are already retired. You’ll need to be 55 years old at the time of applying and no more than 90 at the end of the mortgage term. To give you that extra peace of mind we offer fixed 2, 5 and 10 year terms and up to 70% loan to value on a repayment mortgage.     

Later life mortgages 

Mortgages for Heroes

If you’re 40 or under and an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman or a member of the Armed Forces (Army, Navy, RAF) we could lend you up to 5 times your income. Plus, we’ll also take overtime into account.  

Find out more 
 

New build properties

If you’re looking to buy a brand new property our New Build Residential mortgage could be the mortgage for you. We offer the same maximum loan to value on both houses and flats, plus we can consider more circumstances with our flexible lending criteria.  

 

Premier range

If you’re looking for a loan from 500k to £2m we can look at your full affordability and include up to 100% of your income including any bonuses. And if you’re self-employed or a contractor we can still take your earnings and company profits into account.  

 

Multiple incomes

Our mortgages were created for you if you have more than one income – whether that’s several jobs, or a passion project you work on in your spare time. What’s more, our underwriters can look at cases that traditional lenders usually don’t consider.   

 

Options mortgages

Designed to give you more options if you’ve had recent credit history blips (such as missed credit card payments or County Court Judgements). Available if you’re looking to move home or remortgage, with a maximum loan size of £500,000 and a minimum 15% deposit required.  

 

Right to Buy

Turning tenants into homeowners, the Government's Right to Buy scheme allows you to purchase your council home at a discounted price. We can lend up to 75% of the discounted purchase price, meaning you’ll need to provide a minimum 25% deposit of the discounted price to own your home.  

 

All of our Residential mortgages require a minimum loan amount of £25,001 and minimum property value of £75,000.

Ready to take the next step
 

If you’d like to know more about one of our specialist mortgages, have a chat to your broker who will be able to give you our latest rates and answer any questions you may have.

Don't forget, if you don’t have your own broker, the team of experts at our recommended broker Climb, will be happy to help you. You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

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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.