Since returning to lending in November 2009, the specialist lender has expanded its mortgage range and now offers the following deals, exclusively through mortgage advisers:

The residential and buy-to-let categories are:

Self-Employed mortgages

•Decisions made on 1 year’s accounts

• Most recent year’s figures generally used

Complex income mortgages

• Up to 100% of regular overtime/bonus considered

• Up to 100% of second job income considered

• Pension and investment income allowable

Personal mortgages

• Lending decisions made by underwriters, not a credit score

• Limited credit history

First-time buyer mortgages

• Limited Credit History

• Free Valuations

• Loans available up to £500k

First-time landlord mortgages

• Rates from 4.39%

• Loans available up to £500k

• 2.5% Completion fee

Experienced landlord mortgages

• No maximum portfolio limit

• No minimum income • Rates from 4.39%

Let to buy mortgages

• Available for first-time landlords

• Available across the buy to-let range

Charles Morley, head of distribution at Kensington, said:

“Over recent years there has been a steady stream of developments which, while not significant in themselves add up, we believe, to a marked change in our business.

“Our relaunch is a mark in the sand. It signifies our renewed commitment to specialist lending.”