Mortgages

Kensington Mortgages

Specialist mortgage lending for complex cases. Adverse credit, self-employment, contract work, and non-standard income all considered through one of the UK's leading specialist lenders.

Specialist Complex Case Lender

Mortgages for real-life circumstances

Kensington Mortgages has spent over 25 years helping borrowers who do not fit neatly into mainstream lending criteria. Whether your challenge is a credit blip from the past, variable self-employed income, or a non-standard employment contract, Kensington has a track record of finding solutions.

Through Doulton Bridging Finance, we present your case to Kensington with the context and documentation needed to demonstrate affordability. Our experience with specialist lending means we know exactly how to position complex applications for the best possible outcome.

25+

Years Lending

Complex

Cases Welcome

Manual

Underwriting

Flexible

Credit Policy

Why Doulton

Expert access to Kensington lending

Complex Case Specialists

Kensington is one of the UK's most established specialist lenders, built specifically to serve borrowers whose circumstances fall outside mainstream lending criteria.

Adverse Credit Accepted

Missed payments, defaults, CCJs, and even previous bankruptcies can be considered. Kensington assesses each case individually based on current circumstances and affordability.

Self-Employed Friendly

Whether you have one year of accounts, fluctuating profits, or a mix of PAYE and self-employed income, Kensington has products designed to reflect your true earning capacity.

Contract and Temporary Workers

Day-rate contractors, agency workers, and those on temporary contracts can access mortgage products that recognise the stability of their employment pattern.

Flexible Affordability

Kensington uses manual underwriting rather than rigid algorithms, allowing their assessors to consider the full context of your financial situation when making a decision.

Residential and Buy-to-Let

Both owner-occupied and investment property mortgages are available, with specialist products for portfolio landlords and limited company purchases.

The Process

How it works

Case Assessment

We review your circumstances in detail, including any credit history issues, to determine whether Kensington offers the best solution for your needs.

Product Selection

We match you to the most suitable Kensington product, ensuring the rate and terms reflect your profile and that the application is positioned for approval.

Application Management

We submit your application with comprehensive supporting documentation and liaise directly with Kensington's underwriters throughout the assessment process.

Offer and Completion

Once your mortgage offer is issued, we coordinate with your solicitor to bring the case to completion as efficiently as possible.

Discuss your Kensington mortgage options

Complex circumstances do not have to mean complex applications. Let our team guide you through the Kensington lending process.

Get a Quote Speak to an Adviser

FAQs

Frequently asked questions

Can I get a Kensington mortgage through Doulton?

Yes. We hold broker agencies with Kensington where available and can access their intermediary product range. Where Kensington is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.

Why apply to Kensington via a broker rather than direct?

Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Kensington cannot take your case, we can place it elsewhere without a declined application showing on your credit file.

What LTV and loan size does Kensington offer?

Kensington's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Kensington can support today.

What if my application is complex - non-standard income, expat status, adverse credit?

Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.

How long does a mortgage application take?

Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.

Related finance

Explore related pages

Other Doulton specialisms and lenders that commonly fit alongside this one. We always compare the full 130+ lender panel before recommending a deal.