Kensington is a leading specialist mortgage lender for any application that may be too complicated to pass an automated decision for a high street lender.

Kensington lends on complex cases because it treats customers as individuals, with highly skilled underwriters making decisions based on a person's circumstances, not just their credit score.

What's more, every time you submit an application to Kensington you'll receive a telephone call from a decision maker to discuss the case. Kensington specialises in lending to the self employed, contractors, failed credit score and complex income, or mortgage for buy to let investors.

Proc Fees

Product Gross Net
Kensington Flexible Fixed for Term
0.75% 0.70%
Product Transfers 0.3% 0.28%
All other new business products 0.5% 0.4%
Product Type When does the lender pay PMS? Frequency
All During the 3rd week after completion. Weekly.

Lenders send payments by BACS which can take anything up to 5 working days to clear at PMS. PMS then make payment to brokers once the funds have cleared in our account.  


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Register to place business with Kensington:

*Please select that you are a PMS Mortgage Club member when registering, placing business or checking existing payment route to ensure you receive the procuration fee quoted by PMS.


Why use Kensington?

Here at Kensington, we wanted to provide brokers all the tools to submit a case successfully. To help speed up the application process, we’ve created a Residential and a BTL packaging guides detailing what documents we may require – attached.

Also don’t forget you can keep up to date on our weekly service levels, support guides, handy reminders and general updates via the K-hub.


Credit history

  • Defaults older that 24 months
  • Satisfied CCJs older than 24 months
  • Secured loans arrears older than 24 months
  • Unsecured credit arrears if accounts now up to date

Buy to let

  • First time landlord mortgages
  • Experience landlord mortgages
  • Let to buy mortgages
  • No minimum income or experienced landlords
  • No maximum portfolio limit
  • Loans to 80% LTV 

Complex income

  • Up to 100% of sustainable regular overtime / bonus considered
  • Up to 100% of sustainable second job income considered
  • Pension and investment income allowable


  • Income calculated on current weekly contract x 46
  • Only 12 months contracting history required

First time buyers

  • Limited or no credit history
  • Loans available up to £500k


  • Credit score declines
  • Limited credit history
  • Lending decisions made by experienced underwriters

Self employed

  • Most recent year's figures generally used
  • Inland Revenue SA302 acceptable
  • Bank statements will be required with and SA302

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