Kensington Mortgages was established in 1995. In November 2000, Kensington Mortgages as part of Kensington Group, achieved plc status and became the first company in the specialist mortgage sector to be listed in the stock exchange. By November 2004 it had more than £7.9 billion lent to over 87,000 customers. It provides mortgages to borrowers that fall outside the lending criteria of traditional lenders.

Statistically, one in five people in the UK have difficulty getting a mortgage. Kensington Mortgages specialise in helping people who are self-employed, have irregular income or who have had credit problems in the past.

Kensington Mortgages provides mortgages to borrowers via intermediaries who are outside the lending criteria of traditional lenders. Products are also available for Buy to Let and Right to Buy and all have income self-certification options.

To obtain a Kensington Mortgage you will have to pass through an intermediary. But below is a summary of the types of mortgage they offer:

Discount
Fixed
Capped
Variable
Re-mortgage

Your rate will depend on which risk category you are placed in. This will be determined by a number of factors which include your advance, whether your income is verified of self-certified, if you have had previous CCJs (County Court Judgements) or Bankruptcies or other outstanding loans.

Depending on your financial history and current status Kensington Mortgages will rank you in one of the following categories:

Near Prime
Very Low Adverse
Low Adverse
Medium Adverse
High Adverse