Kensington Cuts Buy to Let Mortgage Rates: New Deals for Landlords & Limited Companies

Kensington Reduces Buy to Let Mortgage Rates

Kensington, one of the UK’s leading specialist mortgage lenders, has announced further rate reductions across its Buy to Let (BTL) mortgage range. These changes deliver more value and flexibility to landlords, including those using Limited Company structures. If you’re a property investor or landlord seeking competitive mortgage options, Kensington’s newest updates deserve attention.

New Mortgage Rate & Product Updates

• Prime Buy to Let: 5-year fixed at 75% Loan-to-Value (LTV), 4.84% interest rate, £4,000 fee, and free valuation (assessed at the higher of initial payrate or 5%).
• Core Buy to Let: 5-year fixed at 75% LTV, 5.04% interest rate, £4,000 fee, and free valuation (assessment is bespoke and considers current and future rates with flexible rental coverage).

These reductions position Kensington among the most competitive buy to let mortgage providers, especially for landlords wanting five-year fixed rates and flexible criteria.

Updated Lending Criteria & Policy

• Eligible Applicants: Products are open to individuals and limited company landlords.
• Property Scenarios: Available for purchases, remortgages, and “let to buy” conversions.
• No Maximum Age at End of Term: Loan terms can stretch up to 40 years, providing extended flexibility for all age groups.
• Unlimited Portfolio Landlords Accepted: Kensington assesses background portfolios based on the applicant (individual or company), rather than imposing blanket restrictions.
• Northern Ireland: Maximum loan size is £500,000, with ‘free legals’ not offered in this region.

Innovative assessment features, particularly within the Core range, mean landlords with high rental top-up potential (HRTP) can benefit from lower interest coverage requirements, using additional earned or portfolio income to support affordability.

Special Features & Promotions

• No Credit Scoring: Every application is fully assessed by an experienced underwriter, not just a computer algorithm.
• No Upfront Application Fees: Reduces the cost of getting started.
• Fee and Rate Parity for Limited Companies: Limited company landlords get the same rates and fees as individuals.
• Mandated Underwriter Assigned from Day One: Ensures personal service and a smoother application process.
• Free Valuations: Included with all deals for extra value (except in Northern Ireland).

Who Will Benefit from Kensington’s BTL Rate Cuts?

• Landlords expanding their portfolio and seeking five-year rate certainty
• Limited company landlords looking for competitive fees and relaxed criteria
• Buy-to-let applicants needing flexibility on age or term length
• Portfolio landlords requiring assessments based on their unique ownership structures

Why Choose Kensington for Buy to Let Mortgages?

• Flexible Criteria: Ideal for those with complex income or property portfolios
• Personal Underwriting: Direct decision-maker from day one
• No Maximum Age: Extended mortgage terms up to 40 years
• Competitive Rates and Offers: Recent rate cuts and included valuation add value

Kensington is a trusted name among UK mortgage lenders, especially for landlords who may fall outside standard high street criteria.

Find Out More & Next Steps

If you’re considering your next buy to let investment or want to review your existing mortgage, contact our expert mortgage advice team today. We’ll help you navigate Kensington’s range and determine the best-fit product for your property portfolio or investment strategy.

• Kensington BTL Product Guide
• Kensington BTL Calculator
• Full Lending Criteria

Secure today’s best mortgage rates UK with our support – expert advice is just a call or email away.

FAQs: Kensington Buy to Let Mortgage Updates

• Who qualifies for Kensington’s updated buy to let products?
  Applicants include individual and limited company landlords, with options for both portfolio and first-time landlords. No maximum age limits apply.
• How do these rate changes impact my monthly repayments?
  Lower fixed rates mean lower expected monthly payments compared to previous offers—use the Kensington calculator to estimate your payment.
• Does Kensington accept landlords with multiple properties?
  Yes, unlimited background portfolios are accepted, subject to an assessment of your profile and the lending entity.
• Is the lender suitable for non-standard or older borrowers?
  Yes, Kensington has no maximum age at the end of the term and offers terms up to 40 years.
• How can I apply or check my eligibility?
  Contact our mortgage advisors for a full review, or use the links above to access Kensington’s criteria and calculators directly.