First-Time Buyer Mortgages
Start the journey to own your first home with Kensington

Buying your first home is an exciting time, but it can be confusing as there’s a lot to think about and do.

We’re here to support your mortgage adviser through the process of helping you get that all important foot on the property ladder.

Our flexible lending criteria
  • 15% deposit mortgages available
  • We can accept gifted deposits from your immediate family members
  • We can accept those who are self-employed, contractors and freelancers
  • We support the Help to Buy Equity loan in England, Wales and Scotland
The little extras
  • You won’t pay any upfront application fees
  • You’ll benefit from a free valuation and legal fees OR a free valuation and £250 cashback

Let's get started

Getting a mortgage for your first home

We’ll guide you through the mortgage process from start to finish, so you’ll always know what's happening at each stage. 

The mortgage journey 

Handy tips to helping you get mortgage fit

We’ve put together a handy guide of the things you’ll need to consider before you speak to your mortgage adviser.

Read our guide 

Find out what your monthly repayments may be

Use our monthly repayments calculator to get an idea of what your monthly repayments are likely to be for the amount you wish to borrow.

Use our calculator 
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). 

First home
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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 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. 

All applications are subject to lending criteria. The amount we will lend will depend on your circumstances, the amount you wish to borrow and the property.
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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.