Home of the Later Life Mortgage
Forward thinking mortgages for the young at heart

Whether they’re big or small, we all have dreams and getting older shouldn’t mean we have to put a brake on our ambitions. That’s why we created our Enjoyable Futures mortgages for those of you who are 55 or over and want to take your mortgage into retirement and beyond. They’re mortgages that give you more certainty into retirement, so you can focus on doing all the things you enjoy the most. 

Your Mortgage, Your Terms

When your broker applies for a Kensington mortgage you can choose the repayment term that suits your life. You can opt for 2, 5 or 10-year fixed term rates on a repayment mortgage of up to 70% loan-to-value. All we ask is that you’re not older than 90 at the end of your mortgage term.  


We try to work around your circumstances

As the UK’s leading specialist mortgage lender, for nearly 25 years we’ve been helping people get the mortgages they need. When we look at your application our underwriters take account of your individual circumstances, and our lending criteria is designed to be more flexible than the high street lenders. 

For example, if you’re self-employed we can consider your application even if you only have 1 years’ worth of accounts. It’s all because we use dedicated underwriters to make our decisions rather than rely on automated scores. And to make things that little bit easier we don’t charge application fees either. 


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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.

We've teamed up with Keyz Mortgages, a specialist mortgage broker who can advise you FEE FREE on Kensington products and guide you through the application process.

Keyz Mortgages is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284). Keyz Mortgage Solutions is registered in England and Wales: 12325242 Data Protection Licence A8515508.

You can contact them by visiting Keyz Mortgages or call on 020 3827 8940 (Mon-Fri 9am - 5:30pm).

Visit Keyz Mortgages 

If you'd prefer to find your own broker you can visit Unbiased.co.uk where you'll find a list of brokers you can choose from. 

Please be aware mortgages are secured against your home and your home may be repossessed if you do not keep up repayments on your mortgage. 

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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.