Buy to Let

Our range of Buy to Let mortgages are designed to give landlords what they need; flexible lending criteria, human underwriters who don’t only rely on machines, and no maximum portfolio limits. 

When your broker submits your Buy to Let mortgage application with Kensington, it's good to know that our mortgages have won the ‘What Mortgage Awards’ Best Buy to Let Lender award for 3 years in a row - from 2016 to 2018.

3 great reasons
to choose Kensington

No minimum income requirements for existing landlords

No maximum overall portfolio limit (max portfolio size £2m with Kensington)

Can be used for Let to Buy 

Landlords –  we can help you grow your property portfolio

If you’re looking for a mortgage lender who won’t put limits on your aspirations, now might be the time to talk to your broker about our Buy-to-Let mortgages for experienced Landlords.  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.  With their flexible lending criteria, our mortgages are designed to help your broker help you to keep growing your property portfolio. 

Mortgages specially designed for First Time Landlords

Starting out as a landlord can be daunting, so we work hard to make it as easy as possible for your broker to find a Buy to Let mortgage that’s right for you. Our flexible lending criteria means that we’ll consider you even if you’re self-employed or a contractor.  And because our expert underwriters are trained to look beyond credit scores we can still look at your application if you’ve failed a credit check elsewhere.  

Now you don’t need to sell your existing home to buy a new one

Our Let to Buy Mortgages could be a win-win for you – apply for a Buy to Let mortgage on your existing home and one of our purchase mortgages for a new one.  With our flexible lending criteria and underwriters trained to look beyond a credit score, we can consider more circumstances than you might have thought possible.  

No business plan required

If you’re buying property through a limited company and need a mortgage our flexible lending criteria means that our underwriters can consider your application for a mortgage for up to 85% of the value of the property.  And when you apply for a mortgage with us it’s good to know that we no longer need you to submit a formal business plan.  

What happens next_gesture
New to Kensington?

We only accept applications from registered mortgage advisers who can ensure you get the specialist mortgage that’s the best match for your needs.

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Existing Customers

We are always happy to talk to you and answer any questions you may have about 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.