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.

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 0800 111 020 or emailing

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.

We've teamed up with L&C Mortgages to help you compare live rates from over 80 lenders.

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Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

Contact information

You can make general queries by calling 0800 111 020 or emailing

Frequently asked questions

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Matthew Boyle is a banking and mortgages publisher at Finder. He has a 7-year history of publishing helpful guides to assist consumers in making better decisions. In his spare time, you will find him walking in the Norfolk countryside admiring the local wildlife. See full bio

Matthew's expertise
Matthew has written 244 Finder guides across topics including:
  • Helping first-time buyers apply for a mortgage
  • Comparing bank accounts and highlighting useful features
  • Publishing easy-to-understand guides

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