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 broker through the process of helping you achieve your homeownership dreams. That’s why we offer a range of different options including 5% deposit mortgages, and support the Government Help to Buy scheme.

Our flexible lending criteria
  • 5% deposit mortgages available
  • We support the Help to Buy Equity loan in England, Wales and Scotland
  • We can accept gifted deposits from your immediate family members
  • We can accept those who are self-employed, contractors and freelancers 
  • 10% deposit mortgages available for New Builds

 

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 broker.

 
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 
Kensington is rated excellent 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're teamed up with Climb, a specialist mortgage broker who can advise you FEE FREE on Kensington products and guide you through the application process.

Climb is an appointed representative of Sammon Mortgage Management Ltd, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 515376).

You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

Visit Climb Specialist Mortgages 

If you'd prefer to find your own broker you can visit Unbiased.co.uk 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. 

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.