REMORTGAGE WITH THE SPECIALISTS

If you're looking to remortgage and are considering switching to Kensington, you and your mortgage adviser will find a lender that always looks for ways to say yes.

Unlike some mainstream lenders, we don’t expect you to fit into a one-size-fits-all box.

THE MORTGAGES WE OFFER

Your mortgage adviser will be able to give you more information about our range of residential mortgages and discuss the options available to you. And just so you know, you’ll need to borrow at least £80,000 and the property must have a minimum value of £75,000.

Self-employed

We can work with all types of self-employees, whether you're a sole trader or company director. We'll work with your latest set of accounts, and we'll consider your application even if you’ve recently started a Limited Company.

LEARN MORE
Mortgages for Heroes

If you're aged 40 or under and an NHS Clinician (including Paramedics & Nurses) Teacher, Firefighter, Policeman, or a member of the Armed Forces, we could lend you up to 5 times your income. Plus, we’ll also take overtime into account.

Learn More
The eKo Cashback Mortgage

If you want to do your bit to help the environment, our eKo Cashback Mortgage could be for you. We'll pay you £1,000 when you make improvements that make your home more energy efficient*.

LEARN MORE
New builds

Sometimes only new will do so if you’re looking to buy a brand new property, we can accept your house builder’s deposit of up to 5%.

More than one income

Traditional mortgages are usually created for those with a straightforward, basic salary but as a specialist lender, we can accommodate you if you have more than one source of income.

*subject to the product terms and conditions.

HOW WE MAKE THINGS EASIER

  • Guide to the mortgage process
    Our helpful guide takes you through the mortgage process from start to finish, so you'll know what to expect at every stage.
    YOUR MORTGAGE JOURNEY
  • Before you apply
    We’ve put together a helpful list of some of the key things you and your adviser will need to consider before your adviser applies for a Kensington mortgage.
    GET MORTGAGE FIT
  • 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 remortgaging with Kensington

    You won’t pay any upfront application fees
    If you're a contractor, we'll calculate your income based on your current weekly contract x46 weeks
    We can work off the latest year’s accounts for the self-employed and only require 1 year's trading history
    You’ll benefit from free valuation and legal fees OR a free valuation and £250 cashback

    WHAT OUR CUSTOMERS SAY

    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.

    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.