Kensington is a specialist that grades adverse credit by type, severity and recency, while assessing contractor income properly alongside — meeting the dual requirement of the contractor-with-credit-history case. It also offers coverage rare in this market, including Northern Ireland.
| Criteria Requirement | Assessment Policy |
|---|---|
| Income basis | Day rate / contract–based assessment |
| Day-one lending | Case-by-case |
| Minimum history | Flexible |
| IR35 (inside) stance | Contractor-friendly assessment |
| Umbrella accepted | Yes |
| Limited company | Yes |
| Gaps between contracts | Flexible |
| Adverse credit | Structured — graded by type & recency |
| Underwriting | Manual |
| Broker access | Intermediary |
Yes — it grades adverse by type, severity and recency, while assessing contractor income properly alongside. The right tier depends on your specific credit history, confirmed live at application.
On a day-rate or contract basis for qualifying contractors, read alongside the credit grading rather than collapsed by it.
Yes — it offers coverage rare in this market, including Northern Ireland. Specifics are confirmed at application.
Yes to both, with appropriate income evidence for each structure.
Transitional by design — as events age and conduct stays clean, the mainstream remortgage exits the specialist pricing. We diarise the exit.
Speak to our contractor mortgage specialists to check live Kensington rates and verify your borrowing capacity.