BUY TO LET MORTGAGES

Our mortgages have been created to meet the needs of first time landlords right through to those with an extensive property portfolio.

Manage your rental property in the way that works for you, whether that's privately in your own name or through a Limited Company.

THE BENEFITS OF CHOOSING KENSINGTON

Dedicated underwriters assess your application
Investment and second job income accepted
Up to 100% of regular overtime/bonus considered
You won't pay any upfront application fees
Products with £250 cashback and a free valuation available

AN AWARD-WINNING LENDER

If you would like to know more about our mortgages, you can chat to your own broker but if you don’t have one, you might want to contact Like Mortgage Advice* who can offer advice on Kensington’s products without any obligation or cost to you, both before and during the mortgage application process.

Please note, Like Mortgage Advice can only advise you on Kensington Mortgage products and do not advise on products provided by any other lenders.

You can call them direct on 0203 827 8940 or email them at open@likemortgageadvice.com.

If you prefer, you can find your own broker by visiting unbiased.co.uk where you’ll find a list of mortgage advisers to choose from.

*Like Mortgage Advice Limited is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284).

First time landlords

Buying your first Buy to Let property? We'll consider your application whether you're applying in your personal name or through a Limited Company. If you're a residential homeowner, we won't need you to evidence a minimum personal income. 

Experienced landlords

If you’re an experienced landlord we won’t limit your aspirations. We don't put a cap on the number of properties in your portfolio. And, if you’re an existing landlord you won’t need to have a minimum personal income.

Limited Company landlords

If you’re buying property through a Limited Company, we could help you. When applying, you won’t have to submit a formal business plan. Also, we’ll only assess the existing properties your Limited Company owns. We won't assess properties you own in your personal name.

Let to Buy

Want to buy a new home without selling your current one? Our Let to Buy mortgages mean you can apply for a Buy to Let mortgage on your current home, and a residential mortgage for your new home. This means you can let out your current home, without having to sell it.

Houses of Multiple Occupancy & Multi Unit Blocks

Also known as HMOs and MUBs. We can lend on your HMO properties such as student lets of up to 6 bedrooms. We can also lend on MUBs, including self-contained flats within a single building of up to 6 units.

Properties a little out of the ordinary

Looking to buy a property made out of Cob? Or concrete block? Or maybe it's 100% timber framed? We can lend on those properties that are a little different, including if they're made from poured concrete, are steel-framed, and more.

Ready to get started...

Find out how much you could borrow

HOW WE MAKE THINGS EASIER

  • Our mortgage calculator
    Why not get an idea of how much you could borrow with our easy to use mortgage calculator
    USE THE MORTGAGE CALCULATOR
  • Why choose Kensington
    As a specialist mortgage lender, we know that no two people or their circumstances are the same. That's why we've always celebrated differences.
    THE KENSINGTON DIFFERENCE
  • Getting advice and help
    How to get the advice and help you need to find the mortgage that may be suitable for your circumstances.
    GETTING MORTGAGE ADVICE

    WE'RE RATED EXCELLENT ON TRUSTPILOT

    Award-winning, and here to help

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    MF2020multiWIN
    WMA_2022_Logo_Best Specialist Lender_Winners_3years-01-01-01
    ym2020
    Personal Finance Awards Best Intermediary Lender

    Ready to take the next step...

    Find out how much you could borrow with our mortgage calculator.