If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.

Kensington Mortgages: rates & fees comparison
Kensington Mortgages offers a range of fixed and variable rate mortgages that could be suitable for you.
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
If you borrow £178,000 over a 25-year term at 4.56% p.a. (fixed) for 60 months reverting to 7.50% p.a. (variable) for the remaining term, you would make 60 monthly payments of £995.45 and 240 monthly payments of £1261.11. The total payable would be £362,773.40, which includes the interest of £184,393, valuation fees of £0 and a product fee of £0. The overall cost for comparison is 6.4% APRC representative.
Kensington’s buy-to-let mortgage rates
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
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