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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.

Product features:
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

Perfect for:

  • Self-employed
  • Contractors
  • Historic credit issues
  • Low credit score​

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