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Kensington mortgage review

Our Kensington mortgage review combines expert analysis with real customer feedback to help you decide if this lender is right for you.

In this article
Kensington mortgage customer ratings What kinds of mortgages does Kensington offer? Does Kensington offer the best mortgage deals? Interest rates on Kensington mortgages
How much can I borrow from Kensington? Can I make overpayments? How can I contact Kensington?

Kensington mortgage customer ratings

Kensington review
Which? Customer Score
22nd out of 23 mortgage lenders
Which?'s rating for customer satisfaction, based on feedback from real customers. The score is made up of a customer's overall satisfaction with the brand, and how likely they are to recommend that brand.
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Kensington focuses on mortgages for people who struggle to borrow from mainstream lenders, for example those with bad credit

Here's how its customers rated it when we surveyed them in 2020:

Customer rating for: Star rating
Customer service

2 out of 5

Application process -
Value for money

2 out of 5

Keeping you well informed

3 out of 5

Clarity of statements

2 out of 5

Transparency of charges

3 out of 5

Query and complaint handling

3 out of 5

Ability to overpay or underpay mortgage

2 out of 5

Online access

3 out of 5


Star ratings based on a June/July 2020 Which? survey of 3625 members of the general public in which 42 people told us they had their mortgage with Kensington.

What kinds of mortgages does Kensington offer?

When we checked in September 2020, there were 54 mortgages available from Kensington, all of which were fixed-rate deals - meaning your interest rate will stay the same for a set period of time.

All of Kensington's mortgages came with a initial period of either two or five years.

Does Kensington offer the best mortgage deals?

Our experts analysed hundreds of mortgages over a four-week period in July 2020. They compiled a total of 208 ‘top-10 cheapest deal’ tables based on a variety of borrowing scenarios, and counted how many times each lender featured in a table.

The average number of times a lender made it into a table was 16, but Kensington didn't feature at all. (Data source: Moneyfacts.)

This is unsurprising, as bad-credit mortgages tend to have higher rates than more mainstream deals.


Interest rates on Kensington mortgages

In September 2020, the average rate on a two-year fixed-rate mortgage from Kensington was 3.92%, compared to the overall market average of 2.33%.

How much can I borrow from Kensington?

Kensington will lend to first-time buyers, home movers and remortgagers at 70%, 75%, 80% and 85% loan-to-value.

Kensington doesn't publish its borrowing caps, so you'll need to speak to your broker about how much you might be able to borrow in relation to your annual salary.

Can I make overpayments?

Kensington doesn't allow overpayments on its mortgages.

How can I contact Kensington?

Kensington mortgages are only available through selected brokers, so you’ll need to contact a mortgage adviser to find out more.

Its website is kensingtonmortgages.co.uk.