BUY TO LET MORTGAGES

Our mortgages have been created to meet the needs of first time landlords right through to those with an extensive property portfolio.

Manage your rental property in the way that works for you, whether that's privately in your own name or through a Limited Company.

AN AWARD-WINNING LENDER

Our award-winning buy to let mortgage are specially arranged through mortgage advisers.  You'll need to borrow at least £25,000 and the property must have a minimum value of £75,000.

First time landlords

Buying your first Buy to Let property? We'll consider your application whether you're applying in your personal name or through a Limited Company. If you're a residential homeowner, we won't need you to evidence a minimum personal income. 

Experienced landlords

If you’re an experienced landlord we won’t limit your aspirations. We don't put a cap on the number of properties in your portfolio. And, if you’re an existing landlord you won’t need to have a minimum personal income.

Limited Company landlords

If you’re buying property through a Limited Company, we could help you. When applying, you won’t have to submit a formal business plan. Also, we’ll only assess the existing properties your Limited Company owns. We won't assess properties you own in your personal name.

Let to Buy

Want to buy a new home without selling your current one? Our Let to Buy mortgages mean you can apply for a Buy to Let mortgage on your current home, and a residential mortgage for your new home. This means you can let out your current home, without having to sell it.

Houses of Multiple Occupancy & Multi Unit Blocks

Also known as HMOs and MUBs. We can lend on your HMO properties such as student lets of up to 6 bedrooms. We can also lend on MUBs, including self-contained flats within a single building of up to 6 units.

Properties a little out of the ordinary

Looking to buy a property made out of Cob? Or concrete block? Or maybe it's 100% timber framed? We can lend on those properties that are a little different, including if they're made from poured concrete, are steel-framed, and more.

HOW WE MAKE THINGS EASIER

  • Why choose Kensington
    As a specialist mortgage lender, we know that no two people or their circumstances are the same. That's why we've always celebrated differences.
    THE KENSINGTON DIFFERENCE
  • Getting advice and help
    How to get the advice and help you need to find the mortgage that may be suitable for your circumstances.
    GETTING MORTGAGE ADVICE

    THE BENEFITS OF CHOOSING KENSINGTON

    Dedicated underwriters assess your application
    Investment and second job income accepted
    Up to 100% of regular overtime/bonus considered
    You won't pay any upfront application fees
    Products with £250 cashback and a free valuation available

    WHAT OUR CUSTOMERS SAY