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Contractor mortgages

Mortgages made simpler

Working on a contractual basis is growing in popularity as it provides flexibility and often better remuneration. But contractors can find it harder to get a mortgage if their circumstances don’t tick all of the boxes of a standard mortgage application.

At Kensington, we recognise the issues faced by contractors, which is why we have developed criteria aimed at overcoming these hurdles.

Product features:

  • Income calculated on current weekly contract x46
  • Only 12 months contracting history required 
  • Could be less than 12 months if contract is within an existing profession
  • Any profession
  • No minimum income

Perfect for: 

  • Contractors of any profession 
  • Contractors who have switched from salary to contract in the same sector within 12 months
  • Contractors with historic credit issues 

The products available to contractor customers are the same products with the same rates as those available to our employed customers.

How to apply for a Kensington mortgage

We work with mortgage advisers to ensure you receive the best service and would always recommend that you obtain appropriate advice before taking out any mortgage. 

Find an Adviser