Kensington Mortgages Cuts Rates Across Residential and BTL Ranges

14th May 2025 – Kensington Mortgages has lowered rates across its residential and buy-to-let (BTL) mortgages, further enhancing the competitiveness of its offering.

Rates have been reduced by up to 55 basis points across Kensington’s residential Select offering. New rates now start from 5.29% for 65% and 75% LTV, 6.09% for 90% LTV, and 6.44% for 95% LTV.

For its residential Select special rates, which offer £1,000 cashback, Kensington’s 65% LTV two year fixed is now available at 5.39% with a £1,499 fee and free valuation. Across its 95% LTV special rates, Kensington is offering 7.24% for two years fixed, 7.14% for three years fixed, and 6.79% for five years fixed. All special 95% LTV rates include no fee and a free valuation.

In addition, rates have been reduced by up to 155 basis points for landlord clients across Kensington’s Core and Prime BTL ranges. Kensington’s Core rates now offer 70% LTV starting from 3.19% while its Prime rates offer 75% LTV starting from 4.39%. Both are available to individuals and limited companies and include identical pricing and fees.

For all residential and BTL customers, Kensington requires no credit scoring or upfront application fees, with every case assigned a dedicated underwriter from application through to completion.

Andy Bickers, Commercial Director at Kensington Mortgages, commented:
“The introduction of reduced rates across our residential and BTL products has further strengthened the competitiveness of Kensington’s proposition. Yet what continues to truly differentiate us is the end-to- end support we provide for our broker partners. From our sales team that works with brokers to identify the right product for their clients, to the direct access to dedicated underwriters, and an average application to offer turnaround time of only twelve days – it is the combination of excellent service and competitive products that continues to drive Kensington’s success.”