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Premier Lending

Larger mortgage loans with an individual approach

Higher value mortgages often mean more complex incomes and higher service expectations. 

Which is why we created Premier, which takes the appetite that has been our hallmark for 20 years, and takes it up a notch.  

Our experienced underwriters take the time to call you on every Premier application, so that they can fully understand your client’s true affordability, whether this includes self-employed earnings, bonus income, or even vested shares. 

We can use the latest years' figures for self-employed and contractors and up to 100% of earned incomes for applicants with a strong credit profile and track record.

Residential Lending Product features: 

  • Loans from £500k to £2m
  • First Time Buyer mortgages up to £1m
  • 75% maximum LTV
  • Interest Only with plausible strategy
  • 100% variable income considered as standard
  • Self-employed on latest years' figures
  • Can include company profit for sole director

Perfect for: 

  • First Time Buyers looking for a loan between £500​k and £1​m
  • Business owners whose earnings have grown in the last year
  • Company Directors who choose to retain profit within their business
  • Sales people and bank workers earning significant commissions
  • NHS professionals earning extra income in the private sector

Search our Lending Policy

Premier Residential Rates

65% LTV

Rate Type / Term Rate Completion Fee Reversion
1 Year Fixed 2.49% £0 LIBOR plus 4.10%*
2 Year Fixed 2.84% £0 LIBOR plus 4.10%*
3 Year Fixed 2.99% £0 LIBOR plus 4.10%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.40% with effect from 13 February 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2
1 Year Fixed - 3.00%

 

75% LTV

Rate Type / Term Rate Completion Fee Reversion
1 Year Fixed 2.99% £0 LIBOR plus 4.10%*
2 Year Fixed 3.34% £0 LIBOR plus 4.10%*
3 Year Fixed 3.49% £0 LIBOR plus 4.10%*

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.40% with effect from 13 February 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2
1 Year Fixed - 3.00%

 

Premier Buy to Let Rates

70% LTV

Rate Type / Term Rate Feature Completion Fee
(can be added)
Maximum Loan Reversion
1 Year Fixed
2.84% None ​£0 £1.5 million LIBOR plus 4.30%*
2 Year Fixed
​2.89% None ​£0 £1.5 million LIBOR plus 4.30%*
3 Year Fixed 3.19%  None £0 £1.5 million LIBOR plus 4.30%* 
Minimum Loan size £500,000

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.40% with effect from 13 February 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2
1 Year Fixed - 3.00%

 

75% LTV

Rate Type / Term Rate Feature Completion Fee
(can be added)
Maximum Loan Reversion
1 Year Fixed
3.04% None ​£0 £1 million LIBOR plus 4.30%* 
2 Year Fixed 3.09% None £0 £1 million LIBOR plus 4.30%*
3 Year Fixed 3.39% None £0 £1 million LIBOR plus 4.30%*
 Minimum Loan size £500,000

Kensington review the LIBOR rate quarterly.

*The Current LIBOR rate is 0.40% with effect from 13 February 2017 – LIBOR Floor  1.00%*. If LIBOR falls below 1.00% the reversion rate will be charged at reversion margin plus 1.00%.

Early Repayment Charges apply:
5 Years Fixed - 4.00% in Year 1, 3.00% in Year 2, 1.50% in Year 3, 1.00% in Year 4 and 5
3 Year Fixed - 3.00% in Year 1, 2.00% in Year 2, 1.00% in Year 3
2 Year Fixed - 3.00% in Year 1, 2.00% in Year 2
1 Year Fixed - 3.00%