Kensington

Kensington Mortgages: rates & fees comparison

Kensington Mortgages offers a range of fixed and variable rate mortgages that could be suitable for you.

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Kensington Mortgages specialises in lending to those who may find it hard to secure a mortgage elsewhere, such as self-employed buyers or applicants with historic credit problems. Kensington Mortgages assesses each application on a case-by-case basis – never with an automated system – and tries to lend to anyone who fits the criteria for one of their mortgage schemes.

Compare Kensington Mortgages’s mortgage rates

1 - 7 of 337
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Apply link
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.19% fixed for 5 years
8.85% variable
75%
7.5% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.19% fixed for 5 years
8.85% variable
75%
7.5% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.24% fixed for 5 years
8.85% variable
75%
7.6% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.24% fixed for 5 years
8.85% variable
75%
7.6% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.29% fixed for 5 years
8.85% variable
75%
7.6% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.29% fixed for 5 years
8.85% variable
75%
7.6% APRC
View details
Kensington 5 Years Fixed
Kensington 5 years Fixed
5.29% fixed for 5 years
8.85% variable
75%
7.6% APRC
View details
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Overall representative example
If you borrow £178,000 over a 25-year term at 4.69% p.a. (fixed) for 60 months reverting to 8.24% p.a. (variable) for the remaining term, you would make 63 monthly payments of £1008.68 and 237 monthly payments of £1332.24. The total payable would be £380,252.72, which includes the interest of £201,288, valuation fees of £0 and a product fee of £495. The overall cost for comparison is 6.9% APRC representative.
Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Kensington’s buy-to-let mortgage rates

1 - 7 of 151
Name Product Initial rate Revert rate (SVR) Maximum LTV Overall cost for comparison Cashback Link
Kensington 2 years Fixed
4.15% fixed for 2 years
8.85% variable
70%
8.1% APRC
View details
Kensington 2 years Fixed
4.15% fixed for 2 years
8.85% variable
70%
8.1% APRC
View details
Kensington 2 years Fixed
4.15% fixed for 2 years
8.85% variable
70%
8.1% APRC
View details
Kensington 2 years Fixed
4.15% fixed for 2 years
8.85% variable
70%
8.1% APRC
View details
Kensington 2 years Fixed
4.24% fixed for 2 years
8.85% variable
70%
8.2% APRC
View details
Kensington 2 years Fixed
4.24% fixed for 2 years
8.85% variable
70%
8.2% APRC
View details
Kensington 5 years Fixed
4.49% fixed for 5 years
8.85% variable
75%
7.7% APRC
View details
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What types of mortgages can I get with Kensington Mortgages?

  • Fixed rate Your mortgage rate will remain locked for a set amount of time, then switch to the lender’s standard variable rate.
  • Remortgages You can switch away from your existing mortgage provider to Kensington Mortgages via one of its remortgage products.
  • Buy to let With this mortgage, you can borrow money to buy an additionap property and let it out.
  • Let to buy This mortgage will allow you to let out your home while you’re in the process of selling it.

How to apply

You can get the ball rolling by calling 020 3887 9133 or emailing hey@climbmortgages.co.uk.

What information is needed to apply?

You’ll need to provide proof of identity, proof of address and details of your financial history. This will need to be backed up by payslips and recent bank statements. If you’re self-employed or a contract worker, you’ll need to provide 12 months worth of accounts.

Eligibility criteria

You must be at least 21 years old, and no older than 75 when the mortgage term is due to end. You’ll need a minimum annual income of £35,000, or £50,000 for a joint mortgage.

If you have unspent criminal convictions or took a payday loan in the past 12 months, you’ll be declined. Applicants who have suffered CCJs and defaults may be considered.

Contact information

You can make general queries by calling 0800 111 020 or emailing broker.queries@kensingtonmortgages.co.uk.

Frequently asked questions

We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms "best", "top", "cheap" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our terms of use. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you.

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