Kensington Mortgages
Kensington Mortgages is a leading mortgage lender based in Maidenhead, England. They provide a range of financial services to help customers secure the right mortgage for their needs. With a commitment to customer satisfaction, Kensington Mortgages is dedicated to providing high-quality services and support to their clients. As a trusted name in the industry, they have a proven track record of helping people achieve their dreams of homeownership.
Introduction to Kensington Mortgages
Kensington Mortgages is a UK-based mortgage lender that has been providing financial services since 1995. The company is unique because it specializes in helping customers who may not fit the typical mold of a borrower, such as those with imperfect credit scores or self-employed individuals. Kensington Mortgages is committed to providing customized mortgage solutions to help customers achieve their financial goals.Services & products
Kensington Mortgages offers a range of mortgage products to suit the needs of different customers. These include fixed-rate mortgages, tracker mortgages, and buy-to-let mortgages. The company also provides mortgage advice and support throughout the application process.Location
Kensington Mortgages is located in Ascot House, Maidenhead office park, in the town of Maidenhead, England. The area is known for its beautiful parks and gardens, as well as its thriving business community. Customers can expect to find a range of businesses in the area, including restaurants, cafes, and shops. The nearest public transportation options are Maidenhead train station (1.5 miles), Furze Platt train station (1.7 miles), and Maidenhead bus station (1.3 miles).Benefits
Customers should choose Kensington Mortgages because of the company's commitment to providing personalized mortgage solutions. The company understands that every customer is unique, and therefore, offers a range of mortgage products to suit different needs. Kensington Mortgages also provides exceptional customer service and support throughout the application process.Good to know
Customers should be aware that Kensington Mortgages has eligibility criteria for its mortgage products, such as minimum income requirements and credit score thresholds. Customers should also be aware that the company may charge fees for its services.Reviews
Customers have praised Kensington Mortgages for its excellent customer service and ability to provide customized mortgage solutions. Many customers have also appreciated the company's willingness to work with borrowers who may not fit the typical mold of a borrower. Overall, customers have had positive experiences with Kensington Mortgages.Amenities
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loan -
mortgage
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refinancing
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credit score
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interest rate
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pre-approval
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down payment
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closing costs
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escrow
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title insurance
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appraisal
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lock-in period
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prepayment penalty
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private mortgage insurance
FAQ
What types of mortgages do you offer and what are their rates?
We offer a variety of mortgage types, including fixed-rate mortgages, adjustable-rate mortgages, and interest-only mortgages. Our rates depend on several factors, including the type of mortgage, the amount borrowed, and the borrower's credit score.What are the terms and conditions of the mortgage?
Our mortgage terms and conditions vary depending on the type of mortgage and the borrower's individual circumstances. We provide clear and transparent information about our terms and conditions, including interest rates, repayment options, and fees.What are the eligibility criteria and application process for the mortgage?
Our eligibility criteria and application process also vary depending on the type of mortgage and the borrower's individual circumstances. Generally, we require proof of income, a satisfactory credit score, and a deposit. Our application process is simple and straightforward, and our experienced advisors are on hand to guide borrowers through every step.What is the timeline for processing the mortgage application?
Our mortgage application process typically takes between 4-8 weeks, depending on the complexity of the application and the borrower's individual circumstances. We strive to process applications as quickly and efficiently as possible, while ensuring that we meet all necessary regulatory requirements.What are the fees associated with the mortgage and how are they calculated?
Our fees vary depending on the type of mortgage and the borrower's individual circumstances. We provide clear and transparent information about our fees, including arrangement fees, valuation fees, and early repayment fees. These fees are typically calculated as a percentage of the amount borrowed, and we provide detailed information about how they are calculated and when they are due.Reviews
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Tugatastic
Hi have a mortgage with Kensington for a few years now , but with covid we where unable to remortgage to another provider . The last 6 months Kensington has raised our mortgage twice and we are now paying the same has I get in wages . I’m may loose my home if another increase happens . Also getting further into debt to be able to cover all other bills . The government is only helping with mortgage if your already claiming benefits ,what a joke This company don’t have any morals and could care less about a complaint. Avoid at all cost .
26-12-2022
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Aki Kaur
The absolute worst lender out there. Do not make the mistake of using these people. Customer service appalling. No help. No support with mortgage. Stuck with this lender for over a decade and can’t change product, extend term… absolutely NOTHING!! Shocking they’re still allowed to trade. Takes over 1 hour before they answer the call. Staff appear to be working at home and distracted. Look at their POOR review rating! It speaks for itself.
26-10-2022
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Abi Ajayi-julius
I still cannot believe this happened to me after waiting for so long since July, provided all the documents requested from me immediately after application with explanations. I was told my mortgage offer was declined due to family members loan my business money instead of bank, and because my business did better than the previous year. I still can't get my head round the reasons I was declined. I'm gutted and sad, I wish someone can have a look and reviewed my application once again. As I'm ready to provided more evidence as I worked so hard for my company to get where I am now.
26-09-2022
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kay
Avoid at all costs. Kensington took 5 months to finally give us a mortgage. Months and months of back and forth questions of which they then take 2 weeks to reply to each question. They offered us a Mortgage finally 5 months down the line then days before exchange they said "opps we forgot to ask do you have a student loan" of which we did... "okay were going to take 13k off your mortgage offer". I would not even recommend this company to someone I hate, it was appalling. They don't know what they are doing, they ask for the same thing time and time again. The anxiety and stress of moving house is enough let alone this added stress on-top working with a company that don't care about their clients. Please save yourself a massive headache and money and don't even entertain Kensington mortgages.
26-07-2022
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A.J
Worst mortgage company I have ever used. Unprofessional,No help when you need it.i wouldn't recommend to anyone.
26-07-2022
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Andy Winter
2 Days before the exchange of contracts they claimed they were unaware of the freehold aspect to the leasehold flat and wanted a charge on it. This isn't possible as it's shared with the co-owner of the flat below. After several calls from my solicitors asking why they would need this and how odd it is to request it they wouldn't budge. This has now completely ruined everything and now we cannot purchase our first home. 2 days before exchange, 3 MONTHS after the mortgage offer itself. I've spent thousands already and its all for nothing. Honestly from start to finish they were a complete pain with problem after problem, wanting more money after agreeing the amount - it got to the point I thought they were trying to make it impossible. You may be desperate for a mortgage like us but honestly, if there are other options that might take a little more effort or a little more money think about doing that instead of using these.
26-05-2022
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timothy ellis
Do not get a mortgage with this company. Kensingtons have no interest in their customers. They made lots of mistakes on our account and try to hide their mistakes. When you contact them they have no interest in fixing things. If you are considering getting a mortgage with kensingtons mortgages then don't. it will be your biggest mistake
26-05-2022
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David Faulkner
We went through Oli in Like Mortgage Advice and he got us a mortgage offer in one week with Kensington. Oli was fantastic, he knows the requirements and processes within Kensington so he gave us full advice on what documents we needed. We’re now in our new home and just called their customer services to confirm our first payment - they answered the phone in seconds! Compared to Bank of Ireland which took 40 minutes I was impressed! Thank you for our mortgage we are very grateful ⭐️
26-05-2022
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Bethany Martin
After looking through the reviews on Google for Kensington it seems so many people have been unhappy with their service or the company as a whole but for those looking and wanting some reassurance we haven't had any problems at all! We was offered our mortgage just after lockdown in May and moved into our house in September. Yes they do ask for a lot of information but I would be the same if I was lending someone hundreds of thousands of pounds! It’s also reassuring because they are ensuring that affordability can be met. I have only needed call once due to confusion on my monthly payment date and the staff member I spoke to was wonderful. She called me back when she said she would, she was clear and correct in her information and she took ownership and apologised for any inconvenience. We are on a high interest rate so that’s the only reason I would look to leave this company in a couple of years when our fixed period is ending.
26-05-2022
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Widnes PO
Not to bad.! bit hassle for documentations
26-05-2022
