Kensington Mortgages

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Last updated on 01 February 2021.

Kensington Mortgages FAQ

What are Kensington mortgages?

Kensington is a mortgage provider that offers a range of products, including buy-to-let and residential mortgages. Buy-to-let mortgages are aimed at prospective house hunters keen to add rental properties to their portfolios to rent out. Residential mortgages are available from Kensington for buyers seeking to live in a home of their own.

How do Kensington mortgages work?

Like those offered by most providers, Kensington mortgages are major financial undertakings. You agree to pay instalments to the lender, Kensington, on a monthly basis as a fraction of the property’s value over a number of years. Interest is added to the amount you borrow, which you will need to factor into overall costs.

Do I need a good credit score to take out a mortgage with Kensington?

Mortgage providers have different criteria but as a general rule you will find that higher credit scores open up far more competitive mortgages with lower interest rates. A poor credit score will limit the choices available to you.

Can I repay my Kensington mortgage back early?

This will depend on the terms and conditions of your mortgage. In many cases, providers do allow borrowers to repay early, but they choose to levy an Early Repayment Charge (ERC) if you wish to repay the mortgage in full. Check with Kensington if you choose to take an offer out with them.

What deposit do I need for a Kensington mortgage?

The deposit on a Kensington mortgage depends on what you have agreed as part of your arrangement. Remember, regardless of who you borrow from, you can often access better interest rates if you’re able to save for a larger deposit.

Can I get an interest-only mortgage from Kensington?

Interest-only mortgages allow people to purchase a home and make monthly payments purely on the interest and not on the capital. This will mean cheaper monthly payments, with a lump sum to be paid off when you sell the property or when your mortgage term comes to an end.

Speak to Kensington to check whether or not they will offer you an interest-only mortgage.

What happens if I default on a Kensington mortgage?

This depends on what you agree with the provider. In most cases your property is the security on the loan, so defaulting on your mortgage means your home is at risk of repossession. If you are ever in a position where you do not think you will be able to make your mortgage repayments, talk to your provider before you miss a payment to look at what alternatives they are able to offer.

Services offered by this provider may change over time. Always check Ts&Cs.

NerdWallet has selected Koodoo to provide you with this information-only online comparison service on a non-advised basis. NerdWallet will receive a share of the commission that Koodoo earns from the lender or from our partnered broker, Fluent Mortgages.

Koodoo is the trading name of Mortgage Power Limited, which is authorised and regulated by the Financial Conduct Authority (FRN 845978), and is a registered company in England and Wales (company registration number 10978680), with a registered address at Scale Space, 58 Wood Lane, London, W12 7RZ

Fluent Mortgages Ltd is authorised and regulated by the Financial Conduct Authority (FRN 458914), and is a registered company in England and Wales (company registration number 10978680), with a registered address at 102 Rivington House, Chorley, New Road, Horwich, Bolton, BL6 5UE