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Kensington will now consider applicants who have had up to two CCJs or defaults totalling up to  a maximum of £750 as long as they have been satisfied for more than six months.
Customers are also allowed two unsecured defaults in the past two years, as long as there have been none in the past six months.

The lender says the mortgages have been introduced to meet the growing demand of a  number of credit-worthy borrowers who have experienced a financial blip during the recession, found their feet again, but are prevented from getting a mortgage because their circumstances do not meet the rigid criteria required by the automated credit scoring of many lenders.
“The prime fixed rate products are on offer from 5.99% at up to 70% LTV.
Kensington has extended its distribution to all members of the L&G Mortgage Club in addition to its existing distributors, which include appointed representatives of Openwork, Pink Home Loans, Personal Touch Financial Services, Mortgage Intelligence and Mortgage Next.