Remortgage to Kensington
Welcome to one of the UK’s leading specialist residential mortgage lenders

When you’re looking to remortgage, it makes sense to consider Kensington. For the last 25 years, we’ve been creating specialist mortgages tailored to meet individual needs and circumstances, so you don’t have to worry about having to fit into the one-size-fits-all box of traditional mortgage lenders. 

 

 

A specialist approach to mortgages

As one of the UK’s leading specialist residential mortgage lenders, our approach to mortgages is deliberately different. For a start, our lending criteria are designed to be flexible so we can take account of the different circumstances people have. And because we use real people to make our decisions rather than relying on machines, we can offer mortgages to people who don’t fit the standard application criteria of the high street lenders. 

 

 

 

Who our mortgages are for

Our mortgages, which can only be arranged through mortgage advisers, might be for you if your circumstances mean you need something different. For example, you could be self-employed or a contractor with multiple incomes. Or you may own a limited company, or be one of life’s heroes such as a Policeman, Teacher or Nurse.

If you’ve experienced some past financial difficulties, we may still be able to help you. For example, if you’ve been on a debt management plan that’s up to date and been in place for more than a year, or if you had a late credit card payment more than 2 years ago.

 

 

 

The little extras when you remortgage with Kensington
  • You won’t pay any upfront application fees
  • You’ll benefit from free valuation and legal fees OR a free valuation and £250 cashback

 

 

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. 

 

 

 

Here's what our customers say
Don’t just take our word for it. See what our customers are saying about Kensington:

 

 

Frequently asked questions

What is remortgaging?

Remortgaging is the process of repaying one mortgage by taking out another one secured on the same property. You may consider this to get a lower rate or to borrow more money to cover home improvements for example.

 

How much equity do I need in my property?

Equity is the difference between the value of your home and the size of your mortgage. We can offer mortgages where you have at least 20% equity in your property. If your property is worth £200,000 and you have a £120,000 mortgage, your equity is £80,000 or 40%.

 

Can I remortgage if I have less than perfect credit?

We can consider your application, even if you have a few blips on your credit file. Speak to your mortgage adviser who will be able to advise you.

 

Are there any upfront fees to pay?

There are no upfront fees to pay when you submit your application to us. Depending on the mortgage that your adviser recommends, there may be a valuation and/or a completion fee.

 

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.