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.

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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. 

 
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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.

 
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POLICE & FIREFIGHTERS

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. 

 
Your application journey 
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 
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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.

We're teamed up with Climb, a specialist mortgage broker who can advise you FEE FREE on Kensington products and guide you through the application process.

Climb is an appointed representative of Sammon Mortgage Management Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 515376).

You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

Visit Climb Specialist Mortgages 

If you'd prefer to find your own broker you can visit Unbiased.co.uk where you'll find a list of brokers you can choose from. 

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.