Mortgages for First Time Buyers | Kensington Mortgages

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).

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.