Kensington Mortgages
Kensington Mortgages offer specialist mortgage lending for the self-employed, contractors, first time buyers, those with complex incomes, buy to let, help to buy, and new build.
What are the mortgage products Kensington Mortgages offer?
Kensington provides a range of mortgage products including residential mortgages, buy-to-let mortgages, and products tailored for specific groups such as young professionals and first-time buyers.
How can I apply for a Kensington Mortgages product?
You can apply for a mortgage product from Kensington Mortgages by registering and submitting an application through their online portal. This process typically involves intermediaries such as mortgage brokers or financial advisors.
Can Kensington Mortgages help residential mortgage customers?
Kensington Mortgages provides residential mortgages up to 95% loan-to-value (LTV) for purchases and up to 90% for remortgages.
Can Kensington Mortgages help Self-employed mortgage customers?
Kensington offers options for self-employed individuals, accepting as little as one year of trading history to assess affordability based on the latest year’s accounts.
Can Kensington Mortgages help first time buyer mortgage customers?
Kensington has products specifically designed for first-time buyers, allowing them to purchase with a smaller deposit and potentially less established credit history.
Can Kensington Mortgages help adverse mortgage customers? Or customers with poor credit rating?
Kensington provides mortgages for individuals who may have had credit issues in the past, including those with CCJs, defaults, or other credit arrears, under certain conditions.
Can Kensington Mortgages help later life or retired mortgage customers?
While specific products for later life or retired customers aren't highlighted, Kensington’s general mortgage products are available to a wide age range, accommodating older borrowers.
Can Kensington Mortgages help with second charge mortgages, secured loan or homeowner customers?
The information provided does not specify offerings related to second charge mortgages or secured loans beyond their standard mortgage products.
Can Kensington Mortgages help buy to let mortgage customers?
Kensington offers buy-to-let mortgages, including options for Houses in Multiple Occupation (HMO) and multi-unit blocks (MUB).
Can Kensington Mortgages help limited company buy to let mortgage customers?
Kensington offers buy-to-let products which are available for properties owned through limited companies, making it easier for corporate entities to invest in rental properties.
Can Kensington Mortgages help with commercial or short-term mortgage customers?
Kensington’s primary focus is on residential and buy-to-let mortgages. There's no specific mention of commercial or short-term mortgage products.
What Credit scoring agency does Kensington Mortgages use?
Kensington uses Experian as their credit reference agency.
