Introducing Flexi Fixed for Term 

A long term fixed mortgage that lets you fix your mortgage term from 11 to 40 years and pay a single fixed monthly payment that will never change.

You’ll never have to worry about fluctuating interest rates or remortgaging again.

How Flexi Fixed for Term works 

All you need to do is decide for how long a mortgage term you'd like to fix your rate - from 11 years all the way up to 40 years. You can choose any term in between for example, it could be 11, 16 or 26 years.

Whatever number of years you choose, you will pay a fixed interest rate for the duration of the mortgage term, which means that your monthly payment will never change.

Then speak to your mortgage advisor who, based on your credit profile and deposit amount, will advise you how much you could borrow and what the fixed monthly mortgage payment will be – and remember, your monthly payment is fixed for the duration of the loan.

If you don’t have a mortgage adviser, you might want to contact Like Mortgage Advice* who can offer you FEE FREE, no obligation advice on Kensington products – both before and during the mortgage application process.

Please note, Like Mortgage Advice can only advise you on Kensington Mortgage products, and do not advise on products provided by any other lenders.

If you prefer, you can find your own broker by visiting where you'll find a list of advisers to choose from.

* Like Mortgage Advice Limited is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284)

What’s in it for you

Extra peace of mind

With our Flexi Fixed for Term mortgage you’ll never have to worry about fluctuating interest rates or remortgaging, ever again.  You’ll have the peace of mind that comes from knowing exactly what your monthly mortgage payment will be from the start to the end of your mortgage term.   

Available for First Time Buyers, Home Movers and Remortgagers

If you’re looking to buy your first home, you want to upsize or downsize, or you’re looking to remortgage your existing home, Flexi Fixed for Term could be the right choice for your circumstances.  

If you downsize, or upsize, take the mortgage with you

Life doesn’t always pan out the way we expect so if you decide to move to a smaller or bigger home, you can apply to take the Flexi Fixed for Term mortgage with you – and you won’t have to pay an Early Redemption Fee.   You can apply to ‘port’ your mortgage and take your fixed rate with you 12 months after your initial completion date.

Overpay by up 10% a year

We all dream of being mortgage free and with Flexi Fixed for Term, each year you can make overpayments of up to 10% of the original mortgage balance.  What’s more, you can start overpaying from the first day of your mortgage.

You’re not locked in

There’s always the worry with anything long-term that once you’re in, you won’t be able to change things unless you pay a fee.   Well, that’s the benefit of our Flexi Fixed for Term mortgage because you can move home and take the mortgage with you or pay it off early and you won’t be charged an Early Redemption Fee (ERC). 

The only time we’ll ask you to pay an ERC is if you decide you want to move to a different mortgage with Kensington or move to another mortgage lender.   Plus, to give you as much flexibility as possible, if your circumstances change you can also apply to borrow more with Additional Lending. 

Is Flexi Fixed for Term for you?

Yes, if you want the long term certainty of fixing your mortgage for between 11 and 40 years.

Yes, if you’re looking for the stability of a single monthly mortgage payment that never changes. 

Yes, if you don’t want to worry about interest rates going up in the future or having to remortgage.

A quick guide to the flexi fixed for term benefits

A fixed monthly mortgage payment that never changes.
It’s portable – if you move, take your mortgage and fixed rate with you
Overpay by 10% from Day 1
No Early Repayment Charges to pay if you experience a ‘life event’ such as critical illness and divorce
Eligible Gifted Deposits from immediate family members accepted


  • Our Mortgage Calculator
    Why not get an idea of how much you could borrow with our easy to use mortgage calculator.
  • 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.
  • 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 submits your application for a Kensington mortgage.
  • 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.
  • Getting advice and help
    How to get the advice and help you need to find the mortgage that may be suitable for your circumstances.

    We're rated excellent on Trustpilot

    Award-winning, and here to help

    MF22 multiWIN-onlinemrtprv
    WMA_2022_Logo_Best Specialist Lender_Winners_3years-01-01-01
    Personal Finance Awards Best Intermediary Lender


    Find out how much you could borrow with our mortgage calculator.

    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.