Kensington Mortgages
Specialist LenderKensington Mortgages is one of the UK's most established specialist lenders, now owned by Barclays. They are known for helping borrowers with impaired credit or complex income structures access competitive mortgage rates.
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About Kensington Mortgages
Kensington Mortgages was founded in 1995 and was one of the UK's first specialist lenders focused on borrowers with impaired credit or complex income. The lender pioneered the UK's non-conforming mortgage market, helping borrowers who did not meet high-street criteria access homeownership. Kensington was acquired by Barclays in 2022, bringing specialist lending under one of the UK's largest banks.
Kensington continues to help borrowers with impaired credit, self-employed applicants, and those with complex income structures. The lender uses manual underwriting and has developed criteria for a wide range of credit events including defaults, CCJs, and debt management plans. Kensington offers both residential and buy-to-let products.
As part of Barclays, Kensington benefits from the bank's funding stability and brand strength. The lender operates as a broker-only channel with a dedicated intermediary team. Kensington has maintained its specialist focus while gaining the backing of Barclays' balance sheet.
Lending Focus
Kensington Mortgages offers mortgage products across 3 categories including Residential, Buy-to-Let, Adverse Credit.
Key Features
- Market-leading adverse credit mortgage products
- Flexible income assessment for self-employed and contractors
Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.
