Your Mortgage Journey
With the right support and expert help, your application doesn’t need to be complex

When it’s time to apply for a mortgage it can be a stressful time. You’re either busy house hunting, making an offer on your new home or dealing with estate agents… Or you are looking to re-mortgage and that’s life admin and nobody wants to sit around doing that at the weekend!

So, if you’re looking to buy your first home, remortgage because your current deal is coming to an end or are a Buy to Let landlord… when you apply for a mortgage with Kensington we always aim to make it as simple as possible… not adding to what can be an already stressful situation. 


Sometimes, it just better to be able to talk to someone about what you need.

To provide advice and make your application, we’ve teamed up with Specialist mortgage broker, Climb to provide you with FEE FREE expert advice and support along the way. They are independent of us and will only advise you on which Kensington Mortgage is the right one for you and your circumstances. Climb is an appointed representative of Sammon Mortgage Management Ltd., who are authorised and regulated by the Financial Conduct Authority. FCA Register No. 515376. If you would prefer to use your own or find an alternative broker please visit

Climb Specialist Mortgages will be with you and supporting you each and every step. As a recommended broker, they have direct access into our Applications team and underwriters and can help your house move or remortgage go swiftly and smoothly, with applications often taking less than 14 working days to be approved!  

Call Climb Specialist Mortgages on 020 3887 9133 (Mon-Fri 9am - 5:30pm) to get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage.

The start of the mortgage journey starts with your Decision in Principle (DIP)

Once you’ve spoken to Climb they’ll then submit your details to obtain your DIP. The DIP provides you with an indication of: how much you can borrow from us, your deposit amount; monthly repayments and the value of the house you’re looking to buy or remortgage. It is important to know that the DIP is only advisory and is based on the information you’ve provided and not a commitment from Kensington to lend. 

As a key building block for your future Mortgage application, this information not only forms the basis of our initial decision but is also used for your formal mortgage application, if you choose to use Kensington. 

Once you have your Decision in Principle… you're good to start booking appointments and start viewing properties. 


Once you’ve found your dream home, new Buy to Let, or simply want to move your mortgage to Kensington, the next stage is to formally apply for a mortgage with Kensington

At this stage you’ll be formally applying for a mortgage with Kensington which will involve amongst other searches a full credit history check along with calculating your ability to afford the monthly repayments of the mortgage you’re applying for.

To support you application you will need to provide the following documentation and information:

  • Proof of Address: If you are not listed on the voters roll, proof of residency will be obtained for all addresses that you have resided at, covering a period of up to 3 years.
  • Proof of income for residential applications: If you’re employed you’ll need to provide 3 months of payslips and your latest P60’s (for each person if it’s a joint application). If you don’t have P60 owing to the length of your employment, an employer reference will be required together with your 3 most recent payslips. For those of you who are self-employed a copy of your latest SA302 and a Tax Overview are acceptable.
  • Expenditure and existing loans / credit: Because the amount of money you can borrow is based on affordability (how much you can pay back each month without significantly impacting your lifestyle) we will need to know your monthly outgoings and any existing credit and loans that you have. It’s important that you don’t combine your current credit commitment into a single figure as it will help us to reach a quicker decision. Examples of existing credit are: Credit cards balances, Car loans (HP, PCP etc), Personal loans, Maintenance payments and Student loans.

The moment we’ve received your full application, we’ll swing into action:

  • The very same day... we’ll instruct our Surveyors to book an appointment to value your property.
  • Within 24 hours we will have reviewed your application... and supporting documentation. If we require any additional information to support or need to clarify any points, we’ll let Climb know so they can work with you to organise the required info.
  • Within 14 working days… we’ll aim to let you know our decision to lend to you and if successful send to you, your formal mortgage offer. Please be aware that if we require additional information from you during your application process this may impact timings.

Once you’ve been approved, we’ll work with your solicitor who’ll let us know your moving date… and we’ll transfer the cash on your chosen completion date.

Call Climb Specialist Mortgages on 020 3887 9133 (Mon-Fri 9am - 5:30pm) to get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage.

Where to go next
New to Kensington?

Get our latest rates, FEE FREE expert advice and apply for a Kensington Mortgage through Climb Specialist Mortgages on 020 3887 9133.

Visit Climb Specialist Mortgages 
Existing Customers

We are always happy to talk to you and answer any questions you may have about your mortgage.

Connect with us

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.