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Complex Income lending

Mortgages made simpler

At a time when an increasing number of people earn incomes from multiple sources, there is a need for a mortgage lender that can assess each case individually.

At Kensington, our experienced underwriters take the time to understand your clients' regular overtime, bonus payments, investments and pension income, as well as other earned income sources. This approach to mortgages is about lending for real life, helping you to help more of your clients achieve the home they deserve.

Product features: 

We are able to consider all of your clients' earned and investment income, including

  • Regular overtime
  • Regular bonus
  • Second job income
  • Investment income
  • Pension income 
  • Vested shares

Perfect for: 

  • Salespeople in all professions
  • Bank workers whose bonus package includes vested shares
  • NHS professionals working extra shifts in the private sector or a contractual basis
  • Full time office workers with part time second jobs
  • Other professions also considered

Complex Income Case Study Video

Complex Income Case Study [Download Guide]

Search our Lending Policy

New Premier Range

Select Rates

75% LTV

Rate Type / Term Rate  Feature Completion Fee Reversion
2 Year Fixed 2.39%  None £999 LIBOR plus 4.10%*
3 Year Fixed 2.89%  None £999 LIBOR plus 4.10%*
5 Year Fixed 3.19%  None £999 LIBOR plus 4.10%*
2 Year Fixed  3.29%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).  £0 LIBOR plus 4.10%*
3 Year Fixed
3.39%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).
£0 LIBOR plus 4.10%*
5 Year Fixed 3.59%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.10%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Free legals are only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

85% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 2.89%  None £1,299 LIBOR plus 4.30%*
3 Year Fixed 3.39%  None £1,299 LIBOR plus 4.30%*
5 Year Fixed 3.54%  None £1,299 LIBOR plus 4.30%* 
2 Year Fixed  3.64% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).  £0 LIBOR plus 4.30%*
3 Year Fixed 3.74%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.30%*
5 Year Fixed 3.94%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.30%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Free legals are only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

Residential Rates

75% LTV

Rate Type / Term Rate  Feature Completion Fee Reversion
2 Year Fixed 2.69%  None £999 LIBOR plus 4.10%*
3 Year Fixed 3.19%  None £999 LIBOR plus 4.10%*
5 Year Fixed 3.49%  None £999 LIBOR plus 4.10%*
 2 Year Fixed  3.59%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).  £0 LIBOR plus 4.10%*
3 Year Fixed
3.69%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).
£0 LIBOR plus 4.10%*
5 Year Fixed 3.89%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.10%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Free legals are only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

80% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 2.79%  None £999 LIBOR plus 4.10%*
3 Year Fixed 3.29%  None £999 LIBOR plus 4.10%*
5 Year Fixed  3.54%  None £999  LIBOR plus 4.10%*
 2 Year Fixed  3.69%  - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).  £0 LIBOR plus 4.10%*
3 Year Fixed 3.79%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.10%*
5 Year Fixed 3.94%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.10%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Free legals are only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2

 

85% LTV

Rate Type / Term Rate Feature  Completion Fee Reversion
2 Year Fixed 3.19%  None £1,299 LIBOR plus 4.30%*
3 Year Fixed 3.69%  None £1,299 LIBOR plus 4.30%*
5 Year Fixed 3.84%  None £1,299 LIBOR plus 4.30%* 
 2 Year Fixed  3.94% - Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide).  £0 LIBOR plus 4.30%*
3 Year Fixed ​4.04%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.30%*
5 Year Fixed ​4.24%
- Free Valuation For Purchase and all New Build rates and Free Valuation & Free Legal for Remortgages. (Standard legals only available on loans up to £500,000. For full details please see our Criteria Guide). £0 LIBOR plus 4.30%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.30% with effect from 14 August 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

**Free legals are only available on loans up to £500,000. For full details please see our Criteria Guide.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2