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Criteria & Product Overview

Criteria overview

Loan value

  • Buy to Let up to 80% LTV
  • HMO/MUB up to 80% LTV
  • Northern Ireland up to 80%
  • Unlimited background portfolio
  • Maximum £2 million lending with Kensington (inclusive of fees). This is combined across Residential and standard Buy to Let mortgages

Buy to let

  • No minimum income requirement for owner occupiers
  • No maximum age
  • First-time buyer, first-time landlord
  • Let to Buy available
  • Top slicing of personal and portfolio income

Large portfolio

  • Existing portfolio unlimited in size and value
  • No Business Plan required

Limited company

  • Available on ALL buy to let products
  • Maximum 4 directors with 100% shareholding
  • Deposit via Directors loan or gift acceptable. Intercompany Loans considered where directorship/shareholdings are identical
  • Assessed as a separate entity for Portfolio landlord rules


  • No credit scoring, soft footprint search
  • No upfront Application fees

Product overview

eKo £1,000 Cashback

  • Evidenced by property moving to the next EPC banding OR an increase of at least 10 SAP points
  • Up to 12 months to make the energy improvements and claim £1,000 cashback upon qualification

eKo £500 Reward Mortgage

  • £500 cashback on purchases for properties rated A, B or C for energy efficiency


  • HMO: Minimum valuation only £75,000
  • MUB: Minimum 35 sqm & minimum value of £50,000 per unit
  • Not available in Northern Ireland

Property Plus

  • Non-standard construction types considered following positive valuation
  • For property types covered, view our lending criteria

Tracker Mortgage

  • Another Solution to help your clients
  • 2 year variable rate Tracker
  • Low ERC's: 1% during incentive period

Learn more