Please note that due to the current climate, we are temporarily unable to accept applications on this product range.

Home of the Later Life Mortgage
Forward thinking mortgages for the young at heart

Whether they’re big or small, we all have dreams and getting older shouldn’t mean we have to put a brake on our ambitions. That’s why we created our Enjoyable Futures mortgages for those of you who are 55 or over and want to take your mortgage into retirement and beyond. They’re mortgages that give you more certainty into retirement, so you can focus on doing all the things you enjoy the most. 

Your Mortgage, Your Terms

When your mortgage adviser applies for a Kensington mortgage you can choose the repayment term that suits your life. You can opt for 2, 5 or 10-year fixed term rates on a repayment mortgage of up to 70% loan-to-value. All we ask is that you’re not older than 90 at the end of your mortgage term.  


We try to work around your circumstances

As one of the UK’s leading specialist mortgage lenders, for nearly 25 years we’ve been helping people get the mortgages they need. When we look at your application our underwriters take account of your individual circumstances, and our lending criteria is designed to be more flexible than the high street lenders. 

For example, if you’re self-employed we can consider your application even if you only have 1 years’ worth of accounts. It’s all because we use dedicated underwriters to make our decisions rather than rely on automated scores. And to make things that little bit easier we don’t charge application fees either. 


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.