Can a broker do a product transfer with Kensington?

Yes, we can arrange a product transfer with Kensington on your behalf. We do all the heavy lifting and compare the offered rate against the rest of the market.

Is it cheaper to stay with Kensington or remortgage?

It highly depends on your current circumstances. If your credit score or income history has improved since you took out the Kensington mortgage, remortgaging to a mainstream high-street lender could offer significantly lower interest rates.

How long does a Kensington mortgage application take?

Application times vary depending on complexity and lender backlog, but typically a product transfer is instant or takes a few days, while a new specialist application can take a bit longer due to manual underwriting.

Kensington Mortgages & Product Transfers

We have access to Kensington's full range of specialist mortgage products, including deals and product transfers for existing customers. We compare them against our comprehensive lender panel.

Getting a Mortgage with Kensington

As a specialist lender, Kensington Mortgages provides solutions for those with complex incomes, self-employed workers, and individuals with less-than-perfect credit histories. If you're an existing customer, we can secure a Kensington product transfer (rate switch) for you. But before you lock in, we'll check if your circumstances have improved enough to switch to a cheaper high-street lender.

Access to Kensington's specialist mortgage rates
Hassle-free product transfers for existing Kensington customers
We compare Kensington against 90+ other UK lenders
Expertise in complex credit and specialist lending
free initial mortgage advice

Step 3 of 5

Tell us about the property

Estimates are fine — we'll refine the numbers together.

Property Value (£) *

Deposit Amount (£)

Your home may be repossessed if you do not keep up repayments on your mortgage.

Kensington Product Transfers

If your current Kensington mortgage deal is coming to an end, you might be offered a product transfer. This is a quick way to secure a new rate without a full remortgage. We can arrange this for you while also checking if switching to a mainstream lender would be cheaper now.

Specialist Lending & Complex Credit

Kensington provides flexible options for those who might struggle on the high street, including the self-employed, contractors, and those with minor credit blips. We can help you navigate their requirements to get your application approved smoothly.

Why Use a Broker for Kensington?

Going direct means you only see one lender's products. By using us, you get access to Kensington's deals plus our comprehensive panel of 90+ lenders. If your credit has improved, we might be able to move you to a cheaper high-street bank.

Kensington Mortgages at a glance

Part of Barclays Bank UK plc. Established 1995. Headquartered in Maidenhead. FCA firm reference number 310336 · broker-only lender.

Specialties

Complex / adverse credit residential lending
CCJs, defaults, DMPs and IVAs considered
Recently self-employed (1 year's accounts)
Flexi-Fixed for Term (up to 40-year fix)

Typical Kensington Mortgages rate ranges

Indicative broker-facing ranges as of Q3 2026. Rates change daily and depend on your loan-to-value, credit profile and product fees — always confirm the live rate at application.

2-year fixed (75% LTV, clean)

typically 5.20% – 6.20%

5-year fixed (75% LTV, clean)

typically 5.10% – 5.95%

Adverse credit 2-year fixed

typically 5.90% – 7.50%

depends on severity/age of adverse