Kensington Mortgages & Product Transfers
We have access to Kensington's specialist mortgage products available through our panel, 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.
- Review of Kensington specialist products available through our panel
- Hassle-free product transfers for existing Kensington customers
- We compare Kensington against 80+ other UK lenders
- Expertise in complex credit and specialist lending
- free initial mortgage advice
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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 and prepare an application that reflects your circumstances.
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 80+ 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)
Lending criteria highlights
- Min income: £20,000
- Max LTV: 85% residential
- Max age at term end: 85 (residential term end)
- Self-employed: 1 year's accounts accepted
- Adverse credit: CCJs/defaults > 24 months old often ignored; DMPs considered
Where Kensington Mortgages shines
- One of the UK's leading specialist adverse-credit lenders
- Manual underwriting on every case
- Long-term fixed rates uncommon elsewhere
Watch-outs
- Higher rates than mainstream lenders (reflects risk)
- Not available direct — broker only
- Source
- Kensington Mortgages lender or intermediary information, FCA Register records and adviser research
Kensington Mortgages does not publish an explicit position on every point covered here. Where that is the case, the guidance reflects our adviser experience and should be confirmed with the lender before application.
Sources & further reading
These links include lender or intermediary information, background reading and FCA Register records. A general lender page does not substantiate every criterion above. Check current criteria before applying. You can independently verify lender authorisation on the FCA Financial Services Register.
Kensington Mortgages & Product Transfers — FAQs
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Your initial mortgage consultation is free with no obligation. If you decide to proceed with an application, a broker fee may apply depending on the complexity of your case — typically £199–£299, capped at 1% of the loan amount or £650 (whichever is lower). The exact amount is explained and agreed in writing before any chargeable work begins. Lenders may also pay us a procuration fee on completion.
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