Get Expert Support for Kensington Mortgages
Specialist Support for Kensington Mortgages
Kensington is a specialist UK mortgage lender offering residential and buy-to-let products tailored to borrowers with non-standard or complex income. They are known for flexible lending, accommodating self-employed and contractor applicants, and providing competitive rates on broker-exclusive deals. At Mortgage‑Tek, we guide you to Kensington’s best mortgage options and support you at every stage of your application.
We work with more than 120 mortgage lenders, including
Why
Why Kensington Mortgage Is a Great Option
Why Kensington Mortgage Could Be the Right Fit for You
Kensington mortgages are ideal for borrowers who may not fit conventional lending criteria. Self-employed individuals, contractors, or those with complex or irregular income can benefit from Kensington’s flexible underwriting approach, where applications are assessed by experienced underwriters rather than automated systems.
They offer competitive rates across a wide range of mortgage types, including residential, buy-to-let, and remortgages. Many of Kensington’s best deals are only available via brokers, and Mortgage‑Tek ensures you get access, guidance, and full support through the entire process.
Criteria of Kensington Mortgage
Who Can Apply for a Kensington Mortgage?
Age Criteria
Applicants must be at least 18, with maximum age at mortgage term end typically between 70–75 years depending on product.
Residency Status
UK residency with verifiable address history is required for Kensington’s underwriting and mortgage compliance standards.
Residential Income
No strict minimum income, but affordability checks ensure applicants can reliably meet monthly mortgage repayments.
Buy-to-Let Income
Minimum income usually £25,000; rental income must meet Kensington’s ICR, typically 125–145% of the mortgage interest.
Self-Employment History
Self-employed applicants need at least 12 months of trading history with supporting SA302s, tax returns, or full accounts.
Contractor Criteria
Contractors must provide a current contract and proof of day-rate income; some zero-hour contracts may be considered.
Credit Profile
Clean credit history preferred; minor issues may be considered case by case, but significant adverse credit affects eligibility.
Property Standards
Properties must meet Kensington’s valuation requirements and acceptable construction quality to qualify for mortgage approval.
Affordability Checks
Applicants must pass Kensington stress and affordability tests to ensure repayments remain manageable if interest rates rise.
Benefits of Securing Kensington Mortgage
Why Choose a Mortgage from Kensington Mortgage?
Kensington provides flexibility, competitive rates, and specialist support for a wide range of borrower types.
Flexible Lending Criteria
Accepts applicants with non-standard income, including self-employed individuals, freelancers, and contractors.
Manual Underwriting
Experienced underwriters review each case, improving approval chances for unique financial situations.
Competitive Interest Rates
Offers a broad selection of fixed-rate, tracker, and broker-exclusive deals often superior to high street rates.
Buy-to-Let Friendly
Suitable for individual and limited company landlords, including first-time landlords and portfolio investors.
Support for Product Transfers
Existing customers can switch products without a full remortgage.
Backed by Kensington Finance
As a specialist lender, Kensington provides reliable, tailored mortgage solutions with a long-term focus on customer needs.
Partnering with Kensington Mortgage
Our Role in Securing Your Kensington Mortgage
 At Mortgage‑Tek, we work closely with Kensington to help you access the right mortgage product without stress. As authorised brokers, we understand Kensington’s lending criteria, product range, and underwriting processes. From the first consultation to final approval, we manage the process, compare options, prepare your application, and liaise directly with Kensington. This ensures a smoother experience, saves time, and increases your chances of securing the ideal deal.
Compare & Find the Right Mortgage For You
Compare Kensington Mortgage with Other UK Mortgage Options
Mortgage Comparison
Compare Kensington mortgages with top UK lenders to see how their flexible criteria and competitive rates stack up. Whether self-employed, a contractor, or a landlord, we help you find the most suitable deal.
Mortgage Quote
Get a personalised quote from Kensington via Mortgage‑Tek. We assess your situation and provide clear guidance on the most suitable product, without obligation or pressure.
BORROW
Curious About How Much You Can Borrow?
Use our calculator to get an estimate based on your income and expenses. Whether buying your first home, moving, or investing in property, this is a helpful first step before speaking with an expert. No credit checks, instant, reliable results.
Your Estimated Borrowing Amount
Let’s Connect
Looking to speak with an expert about Kensington Mortgages?
 We guide you through Kensington’s mortgage options and help secure a deal tailored to your circumstances.
Fast, clear, and personalised advice brings you one step closer to your new home.
FAQ’s
Can I apply directly with Kensington Mortgages?
Most products require application through an authorised broker like Mortgage‑Tek to access exclusive deals.
Does Kensington accept self-employed or contractor applicants?
Yes. Self-employed and contractor applicants need at least 12 months of trading history with supporting documents such as SA302s or tax returns.
What is the minimum deposit required for a Kensington mortgage?
Residential mortgages usually require 5% deposit (95% LTV). Buy-to-let mortgages generally require 20–25% depending on property and circumstances.
Can limited company landlords apply for buy-to-let mortgages with Kensington?
Yes. Kensington supports both individual and limited company landlords, with additional documentation such as company accounts and director information required.
How long does it take to get a mortgage offer from Kensington?
Once all documents are submitted, Kensington typically issues offers within 10–15 working days, depending on case complexity and property valuation.
What credit score do I need to qualify with Kensington?
No set score is published. A clean credit history improves approval chances, though minor credit issues may be considered on a case-by-case basis.