First Time Buyer mortgages
Easy First Time Buyer mortgages for complex situations
Taking your first step onto the housing ladder is never easy, and if your work or credit history means that you don’t fit a standard mortgage application it can seem like mission impossible.
But it doesn’t have to be. At Kensington, we look at all of your circumstances, with decisions made by experienced underwriters who understand that sometimes life isn’t straight-forward.
So, if you are self-employed, earn multiple or variable income, have historic credit issues or a low credit score, you could find the first step onto the ladder to be more achievable than you think.
We can still consider your application if you
- Have 12 months accounts from self-employment
- Have 12 months history as a contract worker
- Want to include bonus or overtime in your earnings
- Have a black mark on your credit file
- Historic credit issues
- Low credit score