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Self-employed lending

Self-employed mortgages made simple 

When you have a self-employed client in need of a mortgage you need a lender that can look at the bigger picture, with the ability to assess each case individually, on its own merit.

Kensington's more inclusive set of lending criteria and highly experienced underwriters mean that you can give your self-employed clients a better chance of achieving the mortgage they deserve and the home they dream of.

Product features:

  • Ability to consider the share of net business profits plus salary for sole and joint company directors
  • Mortgages for self-employed who have recently switched status
  • Easier application process
  • Lending decisions considered on 12 month's accounts

Perfect for: 

  • New business owners
  • Entrepreneurs whose business profits have fluctuated
  • Company Directors who choose to retain profits within their business
  • Existing business owners who have switched status from sole trader to a Ltd company

Self-employed Case Study Video

Self-employed Case Study [Download Guide]

Search our Lending Policy

New Premier Range
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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