Mortgages for landlords

From single properties right up to large portfolios, our Buy to Let mortgages are designed to meet the needs of all types of landlords.

Manage your rental property in the way that works for you, whether that's privately in your own name or through a Limited Company.

WHO WE ARE

We’re an award-winning mortgage lender with a heritage of over 25 years. Our team of highly trained underwriters look at your circumstances with an open mind and because we don't just rely on automated processes to make our lending decisions, we can be more flexible when it comes to looking at your application.

HOW WE MAKE THINGS EASIER

We go out of our way to make borrowing for landlords as easy as we can and that’s why with Kensington, there are:

  • No maximum property portfolio limits if you already have an existing portfolio
  • No business plans required if you’re a full time, professional or a Limited Company landlord
  • No minimum income requirements for existing landlords or for first time landlords who already own a residential property
  • We only do a ‘hard’ credit search if your broker submits a full mortgage application. For Decisions in Principle, a soft search is conducted which won’t affect your credit rating.

WHO WE HELP

Whether you’re building a nest egg, or you already have a property portfolio, we’re here to help if you:

  • Are buying through a Limited Company
  • Are looking to purchase a buy-to-let property but want to stay in your existing home
  • Are a first-time or professional landlord
  • Are self-employed, freelancing, contracting or have more than one income
  • Need a lender with no maximum property portfolio limits
Find out how much you could borrow

THE BENEFITS OF CHOOSING KENSINGTON

Dedicated underwriters assess your application
Investment and second job income accepted
Up to 100% of regular overtime/bonus considered
You won't pay any upfront application fees
Products with £250 cashback and a free valuation available

BUY TO LET MORTGAGES

Take a look at our range of Buy to Let mortgages to find the one that could suit you - from our cashback eKo mortgages for landlords improving  the energy efficiency of their rental properties to mortgages for landlords who want to buy a house of multiple occupancy.

Explore our mortgages

We're rated excellent on Trustpilot

Award-winning, and here to help

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Personal Finance Awards Best Intermediary Lender

READY TO TAKE THE NEXT STEP...

If you would like to know more about our mortgages, you can chat to your own broker but if you don’t have one, you might want to contact Like Mortgage Advice* who can offer advice on Kensington’s products without any obligation or cost to you, both before and during the mortgage application process.

Please note, Like Mortgage Advice can only advise you on Kensington Mortgage products and do not advise on products provided by any other lenders.

You can call them direct on 0203 827 8940 or email them at open@likemortgageadvice.com.

If you prefer, you can find your own broker by visiting unbiased.co.uk where you’ll find a list of mortgage advisers to choose from.

*Like Mortgage Advice Limited is an appointed representative of Hawke Financial Services LLP, who are authorised and regulated by the Financial Conduct Authority (FCA Register No. 478284).