Kensington Mortgages
Specialist LenderKensington Mortgages is one of the UK's most established specialist lenders, now owned by Barclays. They are known for helping borrowers with impaired credit or complex income structures access competitive mortgage rates.
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Lending Focus
Kensington Mortgages offers mortgage products across 3 categories including Residential, Buy-to-Let, Adverse Credit.
Key Features
- Market-leading adverse credit mortgage products
- Flexible income assessment for self-employed and contractors
- Backed by Barclays providing funding stability
- Automated decisioning for faster application processing
- Dedicated broker support team with specialist underwriters
Pros & Cons
Pros
- Backed by Barclays providing exceptional funding stability
- One of the most established specialist lenders in the UK
- Automated decisioning speeds up straightforward applications
- Strong broker support with specialist underwriting teams
Cons
- –Broker-only — cannot apply direct
- –Higher rates than mainstream high-street lenders
- –No HMO or limited company BTL products
Fees & Charges
Arrangement Fee
Typically £995 — varies by product
Valuation Fee
Based on property value — usually £200–£1,500
Early Repayment Charge
Typically 3–5% during fixed-rate period
Overpayment Allowance
Up to 10% per year on most products
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Kensington Mortgages. In the meantime, visit their website for the latest rates.
View rates on Kensington MortgagesApplication Process
Processing Time
2–3 weeks from application to offer
Online DIP
Yes — available online
Offer Valid For
6 months
Lending Criteria
Maximum LTV
85%
Frequently Asked Questions
Is Kensington Mortgages owned by Barclays?
Can Kensington Mortgages help with bad credit?
What is the maximum LTV at Kensington Mortgages?
Does Kensington Mortgages accept self-employed borrowers?
How to Apply
Broker Only
Kensington Mortgages products are only available through mortgage brokers. Use our broker directory to find a broker with Kensington Mortgages on their lender panel.
Contact Information
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.