Residential Mortgages
Whether you’re buying your very first home, are remortgaging or looking to move… our mortgages are designed to work for you
As one of the UK’s leading residential specialist mortgage lenders, we do things differently. We celebrate individuality and specialise in mortgage applications the high street lenders call ‘non-standard.’ We see those cases as standard because we know that life doesn't always follow a straight line.  
The benefits of choosing a Kensington mortgage

Dedicated underwriters assess your application

Investment and second job income accepted

Up to 100% of regular overtime/bonus considered

The little extras 

No legal fees for remortgages

No upfront application fee charges

 

First time buyers

Our flexible lending criteria and range of products means we can consider your application even if you’re self-employed, or have multiple income sources, or less than perfect credit. You’ll need to have at least a 15% deposit.

First time buyer mortgages 

Moving home

Looking to move home? Find out how we could help you with our range of mortgages, specially designed for people whose needs the high street doesn’t always meet. And, there are no upfront fees to pay to submit your application to us.

Mortgages for moving home 

Remortgaging

When you’re looking to remortgage, it makes sense to consider Kensington. Choose from a free valuation and no legal fee option, or take advantage of a free valuation and £250 cashback.

Remortgaging 

Self-employed

From sole traders to company directors, we can work with all types of self-employees. We can usually work with your latest set of accounts and we’ll still consider your application even if you’ve recently started a Limited Company.

Self-employed mortgages 

Help to Buy

We support the Government backed equity loan scheme. Loans are available in England, Scotland and Wales, and help first time buyers buy a new build home. You’ll need a deposit of at least 5% in England (including London) and Wales, and 10% in Scotland.

New Build properties

If you’re looking to buy a brand new property, our new build residential mortgage could be the mortgage for you. We offer the same maximum loan to value on both houses and flats, plus we can consider more circumstances with our flexible lending criteria.

 

The eKo mortgage

When it comes to mortgages, we’re all about finding innovative solutions. That’s why we developed our eKo Cashback Mortgage which pays you £1,000 when you make improvements that make your home more energy efficient*.

The eKo Cashback Mortgage 

Mortgages for Heroes

If you’re 40 or under and an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman or a member of the Armed Forces (Army, Navy, RAF) we could lend you up to 5 times your income. Plus, we’ll also take overtime into account.  

Mortgages for heroes

Larger loan amounts

If you’re looking for a loan up to £850,000 we can look at your full affordability and include up to 100% of your income including any bonuses. And if you’re self-employed or a contractor we can still take your earnings and company profits into account. 

 

Multiple incomes

Our mortgages were created for you if you have more than one income – whether that’s several jobs, or a passion project you work on in your spare time. What’s more, our underwriters can look at cases that traditional lenders usually don’t consider.

Right to Buy

Turning tenants into homeowners, the Government's Right to Buy scheme allows you to purchase your council home at a discounted price. We can lend up to 100% of the discounted purchase price, meaning you’ll need to provide a minimum 25% deposit of the discounted price to own your home.

All of our Residential mortgages require a minimum loan amount of £25,001 and minimum property value of £75,000.

*Subject to product terms and conditions


Here's what our customers say
Don’t just take our word for it. See what our customers are saying about Kensington:
Ready to take the next step?

Use our Mortgage Match tool to find the Kensington mortgage that might meet your needs. Find out if you're eligible in just 60 seconds, and it won't affect your credit score.

At the end of this process, if you agree, we will pass your information to our preferred mortgage adviser Like Mortgage Advice, who can advise you FEE FREE on Kensington’s products, and guide you through the application process.

Like Mortgage Advice is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284). 

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Find your own mortgage adviser

If you prefer, you can use your own mortgage adviser. If you don’t already have one, you can visit Unbiased.co.uk where you'll find a list of advisers 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.