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For your Residential clients requiring loans between £500k and £2million, for either purchase or remortgage:

  • NEW 3 year fixed rate options
  • NEW set fees of either £1,499 or £1,999
  • Lower rates than Select
  • Free Valuation included
Plus, loans are supported by our team of experienced senior underwriters.

View Residential product guide View Residential product guide

Residential Specials

On our CORE range, for those with defaults older than 24 months. For both purchase and remortgage, up to 70% LTV:

5YR Fix | £999 fee | 5.95%
5YR Fix |
No fee | 6.15%
2YR Fix | £999 fee | 6.15%
2YR Fix |
No fee | 6.59%

We don't take into account Communication/Insurance defaults. Utility defaults cannot exceed £250 per person. Bank Account defaults/arrears subject to underwriter discretion.

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Buy to let specials

CORE | Up to 75% LTV | 2YR Fix | £5k fee | 5.79%
Up to 75% LTV | 2YR Fix | 5% fee | 4.64%
HMO/MUB | Up to 75% LTV | 2YR Fix | 5% fee | 4.74%
CORE | Up to 75% LTV | 5YR Fix | 5% fee | 5.29%

For purchase and remortgage, and also available for Limited Company.

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The Portfolio

Our new marketing campaign launches The Portfolio; six innovative mortgage bundles designed to make it even easier for you to find the right solutions for your clients.

Watch the Ad

Visit K-hub, our service and information hub

K-hub is a dedicated information and service space where you can view our weekly service levels, support guides, handy reminders and general updates.

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Welcome to Kensington, the UK’s leading specialist mortgage lender.

We serve the needs of people whose circumstances don’t meet the lending criteria of high street banks. With a highly trained team of underwriters, we don’t just rely on credit scoring and algorithms to make decisions, instead we look at your client’s individual circumstances with an open mind.  

What makes us different

Solution led innovative products

A resi and BTL product range to give your clients more options. Our mortgages come with flexible lending criteria and are always underwritten by real people, not computers. 

Exceptional sales support

With Kensington, you get the choice of telephone, face to face, virtual or webchat with our sales teams. Or use our 24/7 lending criteria chatbot to answer your questions – day or night.

Dedicated service and information hub

We created K-hub to help you place your cases as quickly and easily as possible. It also includes our weekly service levels so you always know how we’re doing with cases.

How we work?

Flexible lending criteria

Lending decisions made by underwriters

No credit scores

No upfront app fees

Awards we're proud to have won

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

    Here’s how many people we’ve helped own their home

    Loans completed since 2015