Get Mortgage Fit
We want to make things easier for you and your broker so this section includes all the relevant information you need to know. And we’ve also included some handy tips to help you get your finances in good shape before you apply. 
Who can apply for a Kensington mortgage:

To apply, you and any joint applicant will need to:

  • Be a permanent UK resident and UK tax payer 
  • Be able to provide evidence of your income and outgoings to show that you can afford a mortgage 
  • Have a deposit of at least 5% 
  • Be 21 years old or over to apply for a residential mortgage and 18 years old or over to apply for a Buy to Let mortgage
  • Want to buy or remortgage a property in the UK of a standard construction with a working kitchen and bathroom
Information we may need to see:

We may ask your broker to supply the following on your behalf:  

  • 3 month's bank statements
  • Any other proof of income
  • Your passport or other identification

Money In, Money Out:  

We’ll also need to understand what money you earn and what you spend each month to help our underwriters assess what you’ll be able to comfortably afford to pay so that you don’t struggle with your monthly repayments.  

  • Income 
  • Credit, store or charge card balances (both sole and joint applicants)
  • Loans (both sole and joint applicants)
  • Car leases 
  • Pensions
  • School fees
  • Childcare 
  • Maintenance/Alimony 


If you have a few blips on your credit file:  

As a specialist mortgage lender, we’re used to dealing with less than perfect credit such as a missed credit card payment or a County Court Judgement. We’ll do what we can to help if you have recent:

  • Missed credit card payment(s)
  • County Court Judgements
  • Missed mobile phone payment(s)
  • Loan defaults 
Top tips to get mortgage fit:
  • Try to reduce the balance or settle any outstanding loans or credit cards you may have before you apply for your mortgage
  • Check your credit file and close any past credit accounts that you no longer use
  • The bigger deposit you have the more likely you are to benefit from a lower interest rate rate, so it’s worth saving as much as you can before you apply for your mortgage
  • Include running costs such as household bills, council tax, insurance and maintenance when you’re calculating how much you’d like to borrow, as well as how much you’ll need to live on each month after you’ve paid all your bills
  • If you’re not already, make sure you’re on the electoral roll as this information can be used to verify your address details
  • A missed mobile phone payment could impact your credit file so always be sure to keep up to date if you have a monthly payment plan
  • Be sensible with the amount you want to borrow as your home can be repossessed if you don’t keep up the repayments


Kensington is rated great on TrustPilot
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Ready to take the next step

If you’d like to know more about one of our specialist mortgages, have a chat to your broker who will be able to give you our latest rates and answer any questions you may have.

We've teamed up with Keyz Mortgages, a specialist mortgage broker who can advise you FEE FREE on Kensington products and guide you through the application process.

Keyz Mortgages is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284). Keyz Mortgage Solutions is registered in England and Wales: 12325242 Data Protection Licence A8515508.

You can contact them by visiting Keyz Mortgages or call on 020 3827 8940 (Mon-Fri 9am - 5:30pm).

Visit Keyz Mortgages 

If you'd prefer to find your own broker you can visit where you'll find a list of brokers you can choose from. 

Please be aware mortgages are secured against your home and your home may be repossessed if you do not keep up repayments on 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.