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 17/11/2025
48 SECS
2 DAYS
1 DAY
11 DAYS
48 HOURS
Our latest news
Updates to our portfolio exposure limits
From 18th November, your landlord clients are 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. Our maximum lending limit to an individual (or joint applicants) is £2m combined across Residential and Buy to Let mortgages (inclusive of fees). We apply a total loan to value cap at 80% across a customer’s total portfolio (regardless of size).
We now require landlords to complete a portfolio summary. We will need either:
- Personal Portfolio summary or Limited Company Portfolio summary this needs to explain who is applying for our mortgage eg. Jane Brown (personal) or Jane Brown Ltd (limited company)
- If your client has a combination of other BTL properties in Other Entities, we will require an Other Entity Portfolio Summary
We’ve expanded our BTL Prime offering to include 2 year fixed term rates
We’re thrilled to announce the launch of our new 2 year BTL Prime mortgage which will complement our existing 5 year product and offer you more ways to help your clients find the right products for their circumstances.
Plus, from today, all BTL products (including HMO/MUB) now include a free valuation.
- Available up to 75% LTV
- Assessed at Higher of Initial payrate plus 2%, or 5.5%
- Minimum property value requirement of £150,000
- Available to existing and first-time landlords including limited company and HMO/MUB
View the BTL product guide for all available rates.
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.
