Interview with Craig McKinlay, New Business Director at Kensington Mortgages.

When real life circumstances get in the way of your client’s standard mortgage application, Kensington can make your life easier.


Residential Mortgages


SELECT Mortgage Range -

  • Up to 95% LTV
  • Fixed rates from 2.98%
  • 2 & 5 year fixed rates available
  • Any defaults older than 36 months
  • No new CCJ's within; 36 months (any unsatisfied CCJ's will be accepted at underwriter discretion)
  • Minimum loan amount; £25,000
  • Maximum loan amount; 80% LTV to £1,500,000, £1,000,000 for First Time Buyers

HERO Mortgage Range -

Suitable for Armed Forces Personnel, Firefighters, Police Officers, NHS Clinicians (including Nurses & Paramedics) & Teachers in the Public Sector.

  • Up to 90% LTV
  • Fixed rates from 3.05%
  • 2 & 5 year fixed rates available
  • Maximum age of 40 at application
  • Up to 5x Loan to Income subject to affordability
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

YOUNG PROFESSIONAL Mortgage Range -

Suitable for qualified Actuaries, Barristers, Chartered Accountants, Commercial Pilots, Dentists, Doctors & Solicitors.

  • Up to 85% LTV
  • Fixed rates from 3.09%
  • 2 & 5 year fixed rates available
  • Maximum age of 40 at application
  • Up to 6 x Loan to Income subject to affordability
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

LARGE LOAN Mortgage Range -

  • Up to 85% LTV
  • Fixed rates from 3.24%
  • 1 year fixed rates available
  • Minimum loan amount; £500,000
  • Maximum loan amount; £1,500,000

eKo Mortgage Range -

  • Up to 85% LTV
  • Fixed rates from 3.94%
  • 2 & 5 year fixed rates available
  • Energy Performance Certificate (EPC) required upon application
  • Evidenced increase of at least 10 Standard Assessment Procedure (SAP) points required to qualify
  • Up to 12 months to make the energy improvements and claim
  • £1,000 cash back upon qualification with new validated EPC
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

NEW BUILD EKO REWARD -

  • New build only
  • Up to 90% LTV
  • Fixed rates from 3.94%
  • 2 & 5 year fixed rates available
  • £500 Cashback on completion
  • For properties with an EPC rating A or B

Property Plus Mortgage Range -

For homes of non-standard construction

  • Up to 75% LTV
  • Fixed rates from 4.04%
  • 2 & 5 year fixed rates available
  • For homes of non-standard construction
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000
  • For a full list of accepted property types, please visit www.kensingtonmortgages.co.uk/lendingcriteria

Core Mortgage Range -

  • Up to 85% LTV
  • Fixed rates from 3.94%
  • 2 & 5 year fixed rates available
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

Help to Buy Mortgage Range -

  • Up to 75% LTV
  • Fixed rates from 3.89% available
  • Help to Buy purchase only available for first time buyers
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

Right to Buy Mortgage Range -

  • Up to 75% LTV
  • Fixed rates from 4.29% available
  • Help to Buy purchase only available for first time buyers
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

SCOTTISH FIRST HOME FUND Mortgage Range

  • Up to 75% LTV
  • Fixed rates from 4.54% available
  • Shared equity load for purchase available in Scotland only
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

PROPRTY PLUS Mortgage Range -

For homes of non-standard construction

  • Up to 75% LTV
  • Fixed rates from 4.04% available
  • 2 & 5 year fixed rates available
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

RESI 6 Mortgage Range -

Credit recovery range for those with small credit blip more than 6 months ago

  • Up to 85% LTV
  • Fixed rates from 4.49% available
  • 2 & 5 year fixed rates available
  • Minimum loan amount; £25,000
  • Maximum loan amount; £500,000

Buy to Let Mortgages

Core Mortgage Range -

For your Landlord clients, whether they’re Limited Company or individuals

  • Up to 85% LTV
  • Rates from 2.99%
  • 2 & 5 year fixed rates available
  • Minimum loan £25,000
  • Maximum loan £750,000

CORE LIMITED COMPANY Mortgage Range -

  • Up to 85% LTV
  • Rates from 2.99%
  • 2 & 5 year fixed rates available
  • Minimum loan £25,000
  • Maximum loan £750,000

PROPERTY PLUS Mortgage Range -

For homes of non-standard construction

  • Up to 75% LTV
  • Property Plus Rates from 3.69%
  • Property Plus Ltd. Co. Rates from 3.69%
  • 2 & 5 year fixed rates available
  • Maximum loan amount: £500,000

HMO/MUB Mortgage Range -

For your clients with houses of multiple occupancy and multi-unit blocks

  • Up to 80% LTV
  • Specialist (HMO / MUB) Rates from 3.39%
  • Specialist (HMO / MUB) - Ltd Co. Rates from 3.39%
  • 2 & 5 year fixed rates available
  • Maximum loan amount: £750,000

Interview with Chris Kirby, Key Account Manager at Kensington Mortgages.

To discuss Kensington call our sales team on 01403 272625 (option 2) or email us at sales.team@impactsf.co.uk