Kensington Mortgages
Best Kensington Mortgage Rates
Kensington Mortgages
Compare Kensington Mortgages - Kensington Mortgages markets itself as a speciality lender providing mortgages to those who may struggle to find a mortgage deal from a more traditional lender. This includes first time buyers, the self-employed and those with an adverse credit history.
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- 5.39% Initial
- 5 year fixed
- 7% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.44% Initial
- 5 year fixed
- 7% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.49% Initial
- 5 year fixed
- 7% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.59% Initial
- 5 year fixed
- 7% APRC
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Cashback Max £1,000Free LegalsFree Valuation
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- 5.74% Initial
- 5 year fixed
- 7.2% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.74% Initial
- 3 year fixed
- 7.5% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.79% Initial
- 5 year fixed
- 7.2% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.79% Initial
- 2 year fixed
- 7.7% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.83% Initial
- Lifetime fixed
- 6.1% APRC
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Cashback £0Free LegalsFree Valuation
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- 5.84% Initial
- 3 year fixed
- 7.5% APRC
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Cashback £0Free LegalsFree Valuation
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Compare Kensington mortgages
Kensington Mortgages offer various types of mortgages to match different kinds of borrowers.
First Time Buyer mortgages
Many people struggle to get approved for their first mortgage, especially if they have issues with their credit history or are struggling to get together a deposit. Kensington Mortgages can help borrowers having difficulty getting on the property ladder, even if they have been rejected by other lenders.
Self-employed mortgages
The self-employed can sometimes find it hard to get a mortgage, especially if they haven’t been self-employed for long and thus don’t have several years’ worth of accredited accounts. Kensington are willing to lend to self-employed people with a minimum of 12 months’ accounts, meaning they will often lend to people other mortgage providers would not consider.
Buy to Let mortgages
Buy to let mortgages allow you to buy a house in order to rent it out. The amount you can borrow will tend to depend on the percentage of the property’s value that you wish to borrow and its projected monthly rental income.
Kensington Mortgages also offer buy to let mortgages for customers wishing to let to buy instead, i.e. when a customer decides that they want to rent out their old residence rather than selling it and need to raise a new mortgage to help them do this, leaving them free to buy a new property for themselves.
Kensington’s buy to let mortgages are available to both first time landlords and experienced landlords looking to raise capital to expand their rental property portfolio.
Loan to value ratio
Wondering how lenders decide how much they will let you borrow? It largely comes down to how much you earn and a metric known as your loan to value ratio, often referred to as an LTV. Your LTV shows how much the amount you want to borrow is as a percentage of the market value of the property you want to borrow against.
So, if you want to borrow £50,000 as a mortgage on a £100,000 house, you will have an LTV of 50%. Most lenders will tend to offer better interest rates if your mortgage deal has a lower LTV.
Find the best deals on mortgage rates
Whatever your financial circumstances and borrowing needs, it is important to get the best deal you possibly can on your mortgage. Unfortunately, with so many different providers and types of mortgages available across the market, tracking down which offer the best value for you can be tough.
Our mortgage calculator takes some of the hassle out of the equation by showing you some of the top deals that match your requirements from all of the different providers. You just have head to the top of the page and plug in some basic details about your borrowing needs to get started.
Independent Mortgage Advice
Remortgaging is particularly popular at the moment as interest rates are low.
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Whether it will be a good idea for you to remortgage depends on a number of factors, including your goals and your personal circumstances.
However, in general, if interest rates are lower than you are currently paying on your mortgage, it may be a good time to remortgage.
If interest rate are higher than you are currently paying, it may be better to look at other options, such as a second mortgage or a personal loan (if you aim is to borrow more).
If you are not sure whether now is the right time to remortgage, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice on Kensington products and other lender options.