Buy to Let Mortgages
A range of Buy to Let mortgages that cater for all types of landlords
We’ve been awarded the What Mortgage Awards ‘Best Buy to Let Lender’ 4 years in a row for our range of mortgages. They've been created to meet the needs of first time landlords right through to those with an extensive property portfolio. And we give you the added flexibility to manage your rental property in the way that works for you, whether that’s privately or through a Limited Company.   
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The benefits of choosing a Kensington mortgage

Dedicated underwriters assess your application

Investment and second job income accepted

Up to 100% of regular overtime/bonus considered

The little extras 

No upfront application fee charges

Products with £250 cashback and a free valuation available

 

First Time Landlords

Our flexible lending criteria means that we’ll consider you even if you’re self-employed, a contractor or a first time buyer. And we can still look at your application even  if you’ve failed a credit check elsewhere. 

 

Experienced Landlords

If you’re an experienced landlord we won’t limit your aspirations.  There are no property portfolio limits and as long as you’re an existing landlord you won’t need to have a minimum personal income. 

 

Let to Buy

Our Let to Buy mortgages enable you to apply for a Buy to Let mortgage on your existing home and one of our purchase mortgages for a new one.

 

Limited Company Landlords 

If you’re buying property through a Limited Company we can consider your application for a mortgage for up to 85% of the value of the property. You won’t have to submit a formal business plan and we’ll only assess any existing properties that are owned by the Limited Company rather than properties you personally own. 
 

Multi Occupancy Homes & Multi Unit Buildings 

Also known as HMO’s and MUB’s. HMO’s cover properties such as student lets of up to 6 bedrooms and MUB’s are self-contained flats within a single building of up to 6 units. We consider a maximum loan value of £1m if you have a 20% deposit and options of either 2 or 5 year fixed rate deals are available.  
 
 

Properties that are a little out of the ordinary

From fully repaired pre-fabricated reinforced concrete to those made out of Cob! Available with a minimum deposit of 25% of the house value with either 2 or 5 year fixed rate deals to a max loan value of £500,000. We also offer different fee options, including a No Fee choice. 

 

All of our Buy to Let mortgages require a minimum loan amount of £70,000 and minimum property value of £75,000.

 

Ready to take the next step
 

If you’d like to know more about one of our specialist mortgages, have a chat to your broker who will be able to give you our latest rates and answer any questions you may have.

Don't forget, if you don’t have your own broker, the team of experts at our recommended broker Climb, will be happy to help you. You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

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Please be aware Mortgages are secured against your rental property. If you fail to keep up with payments on your mortgage a ‘receiver of rent’ may be appointed and/or your rental property may be repossessed. 

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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.