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.
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.
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.
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.