K-hub & Service Levels
K-hub is a dedicated information and service space where you can view our weekly service levels, support guides, handy reminders and general updates.
Our service levels
Average broker experience as of 03/11/2025
1 MIN 58 SECS
3 DAYS
1 DAY
12 DAYS
48 HOURS
Our latest news
Upcoming changes to our Buy to Let Background Exposure Limits
From 18th November, your landlord clients will be permitted to hold a total of 20 mortgaged properties, with a maximum total borrowing limit of £5m (including the subject property coming to Kensington).
This applies to mortgages on buy to let properties that are owned solely, jointly by applicants or through Limited Companies.
Please note, to secure a product on the existing
exposure limits, the full application must be
submitted by 5pm on Monday 17th November.
Visit our FAQ page for the detail.
We welcome Helen Cawthra as our new Head of National Accounts
Helen, who joined us in early October, brings 24 years of financial services experience. She previously led intermediary partnerships at Vida Homeloans and spent over a decade at Lloyds Banking Group as a Business Development Manager.
Her expertise in managing National Accounts, including with Leeds Building Society and Accord Mortgages, makes her a fantastic addition to our team.
New lower rates on Resi and BTL
Rate reductions across our Residential Select range, our product range for those who don't quite fit the high street.
- 65% / 75% LTV rates starting from 5.29%
- 90% LTV rates starting from 6.09%
- 95% LTV rates starting from 6.44%
Plus new lower rates for your landlord clients. All rates are available to individuals and limited companies with identical pricing and fees.
Buy to Let Core - affordability bespoke by product. New rates include:
- 70% LTV, 2 year fixed, 3.19%, 5% fee and free valuation
- 75% LTV, 5 year fixed, 4.79%, 3% fee and free valuation
- 80% LTV, 5 year fixed, 5.64%, 2% fee
Buy to Let Prime - affordability based on higher of Initial payrate or 5%. New rates from:
- 75% LTV, 5 year fixed, 4.39%, 5% fee
For all residential and BTL customers, there’s no credit scoring or upfront application fees, with every case assigned a dedicated underwriter from application through to completion.
