GETTING
STARTED

As our buy to let mortgages are arranged through mortgage advisers, you‘ll need to speak to an adviser about our products. They’ll be able to give you advice and help you find the mortgage that may be suitable for your circumstances.

IF YOU DON'T HAVE A MORTGAGE ADVISER

Life event vulnerabilities:
These are defined as events which impact a person’s life such as bereavement, job loss or a relationship breakdown. Events could include:

  • Experiencing a bereavement
  • The breakdown of a relationship
  • Planning for, or entering retirement
  • Experiencing domestic or financial abuse
  • A change in income that was unexpected
  • Caring responsibilities


Capability vulnerabilities:

We recognise that some people may have limited experience of financial matters or lack confidence when it comes to managing their money. This could be for a number of reasons, but examples can include: difficulty with reading, for example, if English is not their first language or they are dyslexic. Another example is where they may not be confident when it comes to using digital devices such as laptops and they don’t have anyone who is able to help or support them.


Resilience vulnerabilities:

These vulnerabilities can occur when someone has limited savings to fall back on in emergencies or they rely on all their monthly income to cover planned expenses. This can leave little room for unexpected or increased costs.

This can mean household finances are more at risk from changes in income, costs to run the home, or emotional shocks which are often experienced following a life changing event.

If you have any of the above vulnerabilities, please let your broker know so that we will be able to offer you the right assistance, if or when you need our support.

USEFUL INFORMATION

  • Our mortgage calculator
    Why not get an idea of how much you could borrow with our easy to use mortgage calculator
    USE THE MORTGAGE CALCULATOR
  • Buy to let mortgages
    We offer a range of Buy to Let mortgages that cater for all types of landlords. We’ve been awarded the What Mortgage Awards ‘Best Buy to Let Lender’ 4 years in a row.
    VIEW OUR BUY TO LET MORTGAGES
  • 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