Our mortgages

Our mortgages come with flexible lending criteria which means that we can consider circumstances that mainstream lenders can't always accommodate. 

Unlike some high street lenders, we don’t just rely on computers to make our lending decisions, we use real people.

THE TYPES OF MORTGAGES WE OFFER

If you would like to know more about our mortgages, you can chat to your own broker but if you don’t have one, you might want to contact Like Mortgage Advice* who can offer advice on Kensington’s products without any obligation or cost to you, both before and during the mortgage application process.

Please note, Like Mortgage Advice can only advise you on Kensington Mortgage products and do not advise on products provided by any other lenders.

You can call them direct on 0203 827 8940 or email them at open@likemortgageadvice.com.

If you prefer, you can find your own broker by visiting unbiased.co.uk where you’ll find a list of mortgage advisers to choose from.

*Like Mortgage Advice Limited is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284).

Variable Rate Tracker Mortgage

Our variable rate Tracker is a mortgage that tracks the market, so the rate you pay varies and can change on a quarterly basis. The main difference is that your interest rate, and your monthly mortgage payments, can go up or down.

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Flexi Fixed for Term

A mortgage that lets you fix your mortgage term from 11 to 40 years and pay a fixed monthly payment amount that stays the same for the duration of the loan. There will be no need for you to arrange a new mortgage deal every few years.

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Self-employed

We can work with all types of self-employees, whether you're a sole trader or company director. We'll work with your latest set of accounts, and we'll consider your application even if you’ve recently started a Limited Company.

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Mortgages for Heroes

If you are an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman, or a member of the Armed Forces, we could lend you up to 5 times your income, subject to overall affordability. Plus, we’ll also take overtime into account.

Learn More
eKo £500 Reward Mortgage

Our Green eKo Reward mortgage pays you £500 cashback, upon completion, when you purchase a property with an energy efficiency rating of A or B.

New builds

Sometimes only new will do so if you’re looking to buy a brand new property, we can accept your house builder’s deposit of up to 5%.

More than one income

Traditional mortgages are usually created for those with a straightforward, basic salary but as a specialist lender, we can accommodate you if you have more than one source of income.

Ready to get started...

Find out how much you could borrow

HOW WE MAKE THINGS EASIER

  • Our mortgage calculator
    Why not get an idea of how much you could borrow with our easy to use mortgage calculator
    USE THE MORTGAGE CALCULATOR
  • Guide to the mortgage process
    Our helpful guide takes you through the mortgage process from start to finish, so you'll know what to expect at every stage.
    THE APPLICATION PROCESS
  • Before you apply
    We’ve put together a helpful list of some of the key things you and your adviser will need to consider before your adviser applies for a Kensington mortgage.
    GET MORTGAGE READY
  • Why choose Kensington
    As a specialist mortgage lender, we know that no two people or their circumstances are the same. That's why we've always celebrated differences.
    THE KENSINGTON DIFFERENCE
  • Getting advice and help
    How to get the advice and help you need to find the mortgage that may be suitable for your circumstances.
    GETTING MORTGAGE ADVICE

    We're rated excellent on Trustpilot

    Award-winning, and here to help

    MF22 multiWIN-onlinemrtprv
    MF2020multiWIN
    WMA_2022_Logo_Best Specialist Lender_Winners_3years-01-01-01
    ym2020
    Personal Finance Awards Best Intermediary Lender

    READY TO TAKE THE NEXT STEP...

    Find out how much you could borrow with our mortgage calculator.

    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.