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

Specialist Distributor Products available through AToM

90% LTV Complex Prime Residential products available

  • Select rates starting from 3.74%
  • Standard rates starting from 3.99%
  • No Completion Fee, Free valuation and Free Remortgage Legals products available
  • Select range for adverse registered over 36 months ago
  • Standard range for adverse registered over 24 months ago

HMO and Multi-Unit Freehold Blocks BTL products available

  • Rates starting from 3.34%
  • Up to 70% LTV available for HMOs
  • Up to 75% LTV available for MUFBs
  • Loans up to £1,000,000

Residential Mortgages

  • Select rates starting from 2.39%
  • Standard rates starting from 2.69%
  • No Completion Fee, Free valuation and Free Remortgage Legals products available
  • Up to to 85% 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

Help to Buy Mortgages

  • Available for Help to Buy England, Wales and London
  • Rates starting from 3.64%
  • Up to to 75% LTV available (minimum 5% deposit contribution)
  • 2, 3 and 5 year fixed rates available

Buy to Let Mortgages

  • Rates starting from 2.74%
  • Up to 80% LTV available
  • No minimum income requirements for existing landlords
  • No overall portfolio limit
  • Maximum loan £1,500,000
  • Availble on new builds, including desirable high rises

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

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