The home of the specialist mortgage
Say hello to a different kind of mortgage lender

For the last 25 years, we’ve been leading the way in offering specialist mortgages to people who don’t fit the standard application criteria of the high street lenders. 

We’re here to help if you have different circumstances. For example, you could be a contractor who has multiple incomes, have a small blip on your credit file, own a Limited Company or you may be a nurse who works for the NHS and a private agency. These are just a few cases where we can offer you more options, and more flexible lending criteria.

So if you’re looking for a mortgage and want to get moving sooner rather than later, ask your broker about Kensington, the UK’s leading residential specialist mortgage lender, and winner of the What Mortgage Awards ‘Best Buy to Let Lender’ 4 years in a row. 

Discover the Kensington Difference

Decisions made by real people, not machines

Our underwriters assess your application so we can take account of your personal circumstances.


Lending criteria designed to be flexible

Lending criteria to help more people get a mortgage whether it’s for a new home, or a remortgage.  


Mortgages for the way we live our lives

We’ve created a range of mortgages so your broker can work with you to find the one that's most suitable.  

Here to make things easier

Handy tips to help get you mortgage fit

Applying for a mortgage can be daunting, especially if it’s your first time. To help get you started, we’ve put together a handy list of the things you’ll need to consider before you speak to your broker. 

Read our guide 

Find out how much you could borrow

Our mortgage calculator gives you an easy way to find out how much you could borrow and what your monthly repayments are likely to be.

Use our calculator 

All about the application journey

We’ve outlined each step from application through to completion so you’ll always know what’s happening, at each stage of the mortgage process. 

The mortgage journey 

Our recommended broker partner

You may already have a broker you can talk to about a mortgage, but if you don’t, we’ve teamed up with Climb, a specialist mortgage broker who can offer you FEE FREE advice - both before and during the mortgage process.  

Meet Climb 

Residential and Buy to Let mortgages

Whether you’re a first time buyer, remortgaging, moving home or looking for a Buy to Let property, our mortgages give your broker the flexibility to find the one that’s right for your needs.

See our full range 


Mortgage terms can be confusing! Our handy glossary explains all the terms you may be about to see and hear.

Read the glossary 
Find out more about who we are and what we do

Unlock the door to the mortgage that's right for you

Our extensive range of mortgages, combined with a flexible lending criteria and expert underwriters are made to meet the needs of those who don’t fit the computer-led approach of high street lenders. It’s an approach that’s made us the UK’s leading residential specialist mortgage lender, and the winner of the What Mortgage Awards Best Buy to Let Lender award for the last 4 years.

We like to think that if you’re looking for a mortgage, you’ve come to the right place. 

Explore our mortgages

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.

Don't forget, if you don’t have your own broker, the team of experts at our recommended broker Climb, will be happy to help you. You can contact them by visiting Climb Specialist Mortgages or call on 020 3887 9133 (Mon-Fri 9am - 5:30pm).

Visit Climb Specialist Mortgages 

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.