Kensington Mortgage Company
When real life circumstances get in the way of your client’s standard mortgage application, Kensington can make your life easier.

**New 95% LTV Adverse Credit for First Time Buyers and Homemovers**

  • Available on Purchases only
  • 2 and 5 year fixed rates available
  • Rates from 4.64%
  • £0 Completion Fee options available
  • Available on Residential Select range only

Residential Mortgages

  • ** Ltd Edition AToM Exclusive 85% LTV Range with only a £499 Completion Fee**
  • Lending in Scotland now available
  • Select rates starting from 3.14%
  • Standard rates starting from 3.34%
  • No Completion Fee, Free valuation and Free Remortgage Legals products available
  • Up to to 90% LTV available
  • Loans up to £500,000 (Above £500,00 available on Large Loan range)
  • Select range for adverse registered over 36 months ago
  • Standard range for adverse registered over 24 months ago

**New Residential Options Ranges Through AToM**

  • Up to 85% LTV
  • Rates from 3.94%
  • 2, 3 and 5 year fixed rates available
  • Minor adverse in 24 months acceptable
  • No completion fee rates available
  • Free valuation and free remortgage legals rates available

Help to Buy Mortgages

  • Available for Help to Buy England, Wales and London
  • Rates starting from 3.94%
  • Up to to 75% LTV available (minimum 5% deposit contribution)
  • 2, 3 and 5 year fixed rates available

Right to Buy Mortgages

  • Available up to 100% of the DPP (75% of the OMV)
  • Rates starting from 4.14%
  • £0 Product Fee options available
  • Free Valuation options available
  • 2, 3 and 5 year fixed options available

HMO and Multi-Unit Freehold Blocks Mortgages

  • Lending in Scotland now available
  • Rates starting from 2.89%
  • 5 Year fixed rates assessed at pay rate
  • Up to 80% LTV (exclusively through AToM)
  • Loans up to £1,000,000

Buy to Let Mortgages

  • Lending in Scotland now available
  • Available to Ltd Companies
  • Top slicing now available for reduced rental calculation
  • ICRs from 125%
  • Non-Owner Occupiers and First Time Buyers accepted (£40K min income)
  • Rates starting from 2.69%
  • Up to 85% LTV available
  • No minimum income requirements for existing landlords
  • No overall portfolio limit
  • Maximum loan £2,000,000 (subject to LTV)
  • Available on new builds, including desirable high rises
  • No completion fee options at all LTVs
  • 1 year ERCs rates available up to 75% LTV
  • 1 year fixed rates available

Clients who have failed credit score?

Select Range
  • Up to max status 2 unsecured arrears in last 12 months
  • Defaults, secured arrears and CCJs if older than 36 months
  • All communications defaults ignored
  • Debt Management Plans considered if established and satisfactorily conducted for a minimum of 36 months
  • Decisions made by an underwriter, not a credit score
Standard Range
  • Up to max status 2 unsecured arrears in last 12 months
  • Defaults, secured arrears and CCJs if older than 24 months
  • All communications defaults ignored
  • Debt Management Plans considered if established and satisfactorily conducted for a minimum of 24 months
  • Decisions made by an underwriter, not a credit score

Options Range

  • Defaults - 1 in 24 months max £1,500 (0 in 6 months) All communications defaults ignored
  • CCJs - 1 in 24 months max £1,000 (0 in 6 months)
  • Secured Arrears - 1 in 24 months (0 in 6 months)
  • Unsecured Arrears - No max status (0 in 6 months)
  • DMPs - Must be in place for a minimum of 12 months

Self-Employed Mortgages

  • Share of net business profits plus salary for sole and joint company directors considered
  • Mortgages for self-employed who have recently switched status
  • Lending decisions on latest 12 months figures

Contractor Mortgages

  • Income calculated on current weekly contract x 46
  • Only 12 months contracting history required
  • Less than 12 months if contract is within an existing profession considered
  • No minimum income

Complex Income Mortgages

  • All of your clients' earned and investment income considered
  • Regular overtime
  • Regular bonus, including vested shares
  • Second job income
  • Investment income
  • Pension income

To discuss Kensington call our sales team on 01403 272625 (option 2) or email us at sales.team@atomltd.co.uk