Kensington Launches Lower Buy-to-Let Prime Fixed Rate: A 2025 Update for UK Landlords

Kensington, a leading name among specialist UK mortgage lenders, has officially announced a reduction in the rate for their popular Buy-to-Let (BTL) Prime Special product. This update brings enhanced value and greater lending flexibility for landlords and property investors in 2025. Here’s what this means for you.

Buy-to-Let Mortgage Rate Update: New Lower 5-Year Fixed Rate

Kensington’s refreshed BTL Prime Special offers a compelling new fixed rate for eligible landlords:

• 5-Year Fixed Rate: 4.89%
• Maximum 75% Loan-to-Value (LTV)
• Arrangement Fee: £4,000
• Free Valuation included
• Stress Test: Assessed at the higher of initial payrate or 5%

This rate is highly competitive within the current UK market, delivering stability for property investors seeking predictable payments over the long term.

Eligibility Criteria and Property Types

Kensington has made this product broadly accessible and flexible, suitable for a wide spectrum of BTL scenarios:

• Available for Property Purchases, Remortgages, and Let-to-Buy cases
• Open to properties across England, Wales, Scotland, and Northern Ireland
• No maximum age at term end; terms up to 40 years offered
• Unlimited background portfolio accepted (assessed based on lending entity, e.g., individual/limited company)
• Limited Company applications accepted at the same rates and fees

Whether you’re expanding your property portfolio, remortgaging an existing asset, or exploring let-to-buy, Kensington’s criteria accommodate a diverse range of investment needs.

What Sets Kensington Apart for Buy-to-Let Borrowers?

• No reliance on automated credit scoring: Individual underwriting for every application, supporting borrowers with unique financial situations.
• No upfront application fees: Start your application without risk.
• Dedicated, mandated underwriter: Personal case management from day one, expediting decisions and offering expert guidance.
• Support for complex cases: Large portfolios? Non-standard income? Kensington is a specialist in flexible BTL lending.

Special Features and Borrower Scenarios

Kensington’s new BTL Prime product stands out for:

• Unlimited background portfolio lending: Ideal for landlords managing multiple investment properties.
• No maximum borrower age: Suitable for later-life landlords or those seeking extended terms up to 40 years.
• No credit score barriers: Best for self-employed, contractors, or borrowers with less conventional income streams.
• Limited company buy-to-let: Eligible at the same price for SPVs and company landlords, enhancing tax efficiency for portfolio investors.

Why Choose Kensington for Your Next BTL Mortgage?

• Industry-leading flexibility—especially for portfolio landlords and limited companies.
• No maximum age or credit scoring hurdles, offering access to a broader group of borrowers.
• Dedicated underwriters streamline complex, specialist buy-to-let cases.

Ready to Take Advantage of Kensington’s New BTL Rate?

Your mortgage options shouldn’t be limited by inflexible criteria. With Kensington’s specialist lending and new lower buy-to-let fixed rate, now is a great time to review your investment plans or remortgage your portfolio.

Contact our expert mortgage brokers today for personalised advice, eligibility checks, and support navigating the latest buy-to-let mortgage deals. Visit Kensington for full details or reach out to our advisory team for bespoke guidance.

FAQs: Kensington Buy-to-Let Product Update

• Who qualifies for Kensington’s new BTL Prime fixed rate?
  UK landlords purchasing, remortgaging, or let-to-buy, including limited companies, with up to 75% LTV. No maximum age or portfolio limit applies.
• How does the new 4.89% fixed rate compare to other BTL rates in the UK?
  4.89% is a highly competitive 5-year fixed option, especially for specialist or portfolio landlords seeking stability.
• What documents do I need to apply for Kensington’s BTL mortgage?
  Expect to provide proof of income, property/portfolio details, and identification. Limited company applicants need company documents.
• Is there flexibility for older landlords or those with large portfolios?
  Yes, no maximum age at term end and unlimited background portfolios are supported.
• How can I find out if I’m eligible for this rate?
  Contact our mortgage brokerage team or use Kensington’s online calculators and criteria guides for a personalised assessment.