Kensington Mortgages

Review of Kensington Mortgages Your review is pending.Read more wendy barker 14 reviews GB Rated 1 out of 5 stars AVOID AT all costs Incompetent underwriter Do NOT get your mortgage, remortgage from this company. Like many of the other reviews on here, I wish I'd looked before going forward. We went through a broker, were given a MIP straight away for a remortgage, having explained our personal circumstances. Both have excellent credit rating, husband on over £55k looking for £123k. I had to be medically retired from the NHS due to a major accident. However I have top tier pension, which is lifelong etc etc. After 4 weeks, they were asking for more and more documents, the underwriter is clearly incompetent as even our broker didn't understand what she kept asking for. Also asking for copies of a disability benefit I recieve, yet then after 5 weeks found out they don't accept ANY BENEFITS!! This didn't surprise me but yo be told after 5 weeks, and even then the underwriter still asking for another copy of it! One day it was further info on my SPPA pension, then ESA,ADP, then you'd provide this to hear nothing for days again to be told no actually it's something else. I wish I'd looked at the reviews before I'd agreed to go with this incompetent company, the stress it's caused is worse than getting our first mortgage. AVOID AT ALL COSTS We decided to go elsewhere rather than waste more time. Via The Mortgage People

AVOID!!! If you’re considering Kensington Mortgages, be aware that even when you provide clear proof and have legal professionals on your side, your application can still be held hostage by a valuer unwilling to correct an obvious mistake. A truly awful experience from start to finish. Kensington Mortgages incorrectly valued the property before Christmas, claiming it had occupancy restrictions when it did not. We provided clear documentation, and Kensington’s own legal team and management confirmed everything was fine. Despite this, the valuer refused to amend the report because they didn’t want to admit they were wrong. The lack of accountability is staggering. Two solicitors, the HA, and even the lender confirmed there were no restrictions, yet Kensington still dragged this out for 7 weeks with minimal updates, passing it between departments with no ownership. In the end, we were forced to withdraw the mortgage application and go elsewhere purely because of the valuer. Completely unacceptable, stressful, and avoidable. Avoid Kensington Mortgages.

I put in an offer in August, they kept requesting more and more info about me, until they finally rejected the offer on 21st of Jan 2026. I have a 40% deposit and the mortgage is 110k. They clearly don’t want the business, so save your time just go elsewhere.

Sold my house on Friday 28th November but they still took my mortgage payment on Monday 1st December despite being told numerous times that I shouldn’t delete my direct debit as this will be done for me. I called up and was informed it would take 5 working days to credit back. There should be a process in place to ensure this doesn’t happen, it’s outrageous.

When I asked for help they laughed and said “we just want our money” on the phone. I bought this house as a single mum and the rates then were affordable but with Covid and interest rates increasing and my being seriously ill I needed help. My monthly payments went from £500 a month to £1200 but my LTV is 22% interest rates got to nearly 11% but have now come down to 9% but I started the agreement with 3% I am Unable to remortgage due to adverse credit rating due to mortgage arrears