Search results
People also ask
Does Kensington mortgages have a minimum income requirement?
Can I apply for a mortgage directly with Kensington mortgages?
Does Kensington mortgages consider a bad credit score?
What types of mortgages does Kensington mortgages offer?
Lending Criteria. Cookies preferences. Intermediaries only. New enquiries. 0800 111 020. Existing cases. 03444 99 00 11. Click here to email. Login to our online portal to submit or access your client's mortgage application.
- Kensington Mortgages | Calculators - Intermediaries
Our mortgages come with lending criteria that’s designed to...
- Kensington Mortgages | Residential - Intermediaries
Solutions where we calculate affordability in a different...
- Kensington Mortgages | Residential
Loan value. Resi purchase to 95%. Resi remortgage up to 90%....
- Kensington Mortgages | Calculators - Intermediaries
- Kensington Mortgages Key Features
- What Types of Mortgages Does Kensington Mortgages offer?
- What Types of Bad Credit Does Kensington Mortgages accept?
- How Much Can I Borrow with Kensington Mortgages?
- What Interest Rates Does Kensington Mortgages Charge?
- How Long Does It Take to Get A Mortgage Offer from Kensington Mortgages?
- What Fees Does Kensington Mortgages Charge?
- Can You Make Overpayments on Your Kensington Mortgages Mortgage?
- What Is The Maximum Term with Kensington Mortgages?
- What Credit Reference Agency Does Kensington Mortgages use?
Specialist lender with mortgages tailored for those with a poor credit history or complicated circumstancesResidential and buy-to-let mortgagesOne of the first lenders in the market to offer a 40-year fixed-rate dealShared ownership and help-to-buy mortgages, as well as products designed for “heroes”Kensington Mortgages has a range of products for first-time buyers, movers and those remortgaging, all of which are fixed-rate deals. The different types of mortgages include: 1. Select- the lightest level of adverse-credit mortgages, for those who are just outside of the mainstream lending criteria from other providers 2. Core - for those with sli...
As a specialist lender, Kensington Mortgages will consider applicants with less-than-perfect credit histories. It has three main levels of adverse credit criteria, ranging from "Select", which is for people who have black marks that generally happened more than 3 years ago, to "Core" for people with more recent events such as defaults or CCJs, thro...
Since the Mortgage Market Review in 2014, lenders have had to determine how much they are willing to lend to someone based on affordability, taking into consideration their existing financial commitments and whether the loan would still be affordable if interest rates were to rise significantly. As such, Kensington Mortgages also uses affordability...
Although mortgage rates are subject to change, generally you can expect to pay significantly more for a deal from Kensington Mortgages. This is mainly because the lender charges more to protect itself from the increased risk posed by someone who has struggled to manage their finances successfully in the past. At the time of writing, the following i...
The turnaround time from making your application to getting a mortgage offer will vary greatly depending on factors such as the time of year and generally how busy the lender is. At the time of writing, it states it reviews all new applications within 1 day, assesses uploaded documents within 1 day and completes the whole process from application t...
There are a number of different charges you can expect to pay when you take out a Kensington Mortgages product. The main fee directly linked to the mortgage itself is the product fee - also known as the completion fee - which is payable once the mortgage has been taken out. Across the Kensington Mortgages range, there is often the option to pay a l...
While it is possible to overpay your mortgage with Kensington Mortgages, it varies from product to product how much you can overpay before incurring an early repayment charge. As such, it is a good idea to check with an adviser before opting to make an overpayment, either as a lump sum or in regular instalments. If you do exceed the amount permitte...
The longest possible mortgage term with Kensington Mortgages is 40 years. However, the maximum age at the end of the mortgage term is 70, which means you would need to take out the mortgage at the age of 30 to be able to get the full maximum term.
In the case of Kensington Mortgages, it predominantly uses Equifax for its credit checks. You can check your Equifax score and report for free with ClearScore, giving you the opportunity to identify any errors or out-of-date entries and maximise your credit rating. When you apply for a mortgage or other credit product, the lender will run a search ...
Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited. Registered in England & Wales: Company No. 03049877. Registered address: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ. Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No ...
Kensington has worked with UK Finance, the Building Societies Association, the Association of Mortgage Intermediaries, and the Intermediary Mortgage Lenders Association to produce a Broker Information Sheet to provide you with the results of our mortgage fair value assessments.
Apr 8, 2024 · Download our simple one-page guide to get all the information you need to know about our criteria on CCJs, arrears, defaults and more. Credit History Criteria Guide Credit History Criteria Guide Our latest webinars
