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

Residential Mortgages
Rates starting from 2.39%
Rates starting from 2.34% (Premier Large Loans)
Up to to 85% LTV available
Loans up to £500,000 (Above £500,00 available on Large Loan range)

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 £1.5m
New build, including desirable high rise

Specialist Distributor Products available through AToM
90% LTV residential products available
Rates starting from 3.84%
Free valuation and free remortgage legals products available
HMO and Multi-Unit Freehold BTL products available
Rates starting from 3.34%
Up to 70% LTV available for HMOs
Up to 75% LTV available for Multi-Units
Residential Second Home products available
Rates starting from 2.69%
Up to 70% LTV available

Clients who have failed credit score?
Free valuation and free remortgage legals products available
Up to 2 unsecured missed payments in last 12 months,
Defaults, secured loan arrears or satisfied CCJs if older than 24 months
Can consider unsatisfied CCJs older than 24 months
All communications defaults ignored
Debt Management Plans considered if established and satisfactorily conducted for 24 months
Decisions made by an underwriter, not a credit score

Self-Employed Mortgages
Ability to consider the share of net business profits plus salary for sole and joint company directors
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
Could be less than 12 months if contract is within an existing profession
Any profession
No minimum income

Complex Income Mortgages
Consider all of your clients' earned and investment income, including
Regular overtime
Regular bonus, including vested shares
Second job income
Investment income
Pension income

For more details, contact our Sales Team on 01403 27 26 25.