Kent Reliance is a top-tier specialist mortgage lender, known for its ability to handle complex buy-to-let cases, credit-impaired borrowers, and non-standard incomes. Whether you’re a limited company landlord, buying an HMO, consolidating debt, or need manual underwriting, Kent Reliance is designed for real-life scenarios, not perfect profiles.
At Mortgage Knight, we regularly place clients with Kent Reliance when mainstream lenders can’t understand their situation. They’re flexible, thorough, and solution-focused.
Kensington might be your best next move — especially if you’re self-employed, recovering from past credit issues, or earning in a way that doesn’t fit the mainstream mould.
Get in touch with Mortgage Knight today, and let’s explore your mortgage options with Kensington — where real lives meet real lending solutions.
A: Yes. Kensington is one of the most credit-tolerant lenders on the market. They accept CCJs, defaults, and missed payments, often as recent as 12 months ago.
A: Just 1 year of trading history is often enough. Kensington will work from your latest SA302s or company accounts, depending on setup.
A: Day-rate, fixed-term, and umbrella contractors are all accepted. They calculate affordability using your contract value or gross weekly income, depending on structure.
A: Deposits typically start at 15% for credit-impaired applicants. If your credit is clean, 10% or lower may be possible, depending on LTV band and product.
A: Yes. Kensington offers interest-only and part-and-part options for applicants with an acceptable repayment strategy — such as downsizing, investments, or sale of another property.
A: Absolutely. Kensington is one of the few lenders that offers capital raising even if you’ve had recent credit problems, provided your current situation is stable and affordable.
A: Yes. You must apply through a broker like Mortgage Knight, which ensures your case is professionally packaged and assessed fairly by their underwriting team.
