Kensington Mortgages specialises in helping people who don’t fit the high-street mould — including the self-employed, contractors, those with credit history issues, and anyone with a slightly non-standard income. They’re known for manual underwriting, common-sense decisions, and a strong track record in supporting real-world borrowers.
At Mortgage Knight, we regularly recommend Kensington for clients who need a lender that understands complexity, not just computer algorithms.
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.
