Mortgage Rates

Kensington Mortgages Mortgage Rates - October 2026

Current Kensington Mortgages residential, buy-to-let and product transfer rates, reviewed monthly. Compare against the whole market through DBF - whole-of-market broker, FCA 814533.

Next review: November 2026

Rates updated October 2026

Why use Doulton

Two reasons to use DBF for your Kensington Mortgages mortgage

DBF Product Transfer System

If you decide to stay with Kensington Mortgages at renewal, we process your product transfer through our dedicated system - faster than applying direct in many cases, with all paperwork handled on your behalf.

Cashback on like-for-like deals

Eligible clients who stay with their existing lender on a like-for-like product transfer can receive cashback - an incentive not available when applying direct. Ask us about eligibility.

We compare the whole market first - and if Kensington Mortgages is still the best option, we make the process faster and more rewarding. Get a free comparison or call 0204 6211776.

Whole-of-market mortgage comparison
No upfront fees on advice
Product transfer system for faster renewals
Cashback available on eligible like-for-like deals
FCA authorised 814533

Residential Mortgage Rates

Illustrative rates - reviewed October 2026. Subject to change. For accuracy, get a personalised quote.
Product	60% LTV	75% LTV	85% LTV
2-Year Fixed	4.89%	5.19%	5.59%
5-Year Fixed	4.79%Best	5.09%	5.49%
2-Year Tracker	6.19%	–%	–%
Standard Variable Rate (SVR)	8.84%

Buy-to-Let Mortgage Rates

Buy-to-let illustrative rates - October 2026. Subject to change.
Product	60% LTV	75% LTV
2-Year Fixed BTL	5.09%	5.39%
5-Year Fixed BTL	4.99%Best	5.29%

Product Transfer Rates

Product transfer rates are typically 0.1–0.2% below equivalent new deal rates. Cashback available on eligible like-for-like transfers through DBF.
Product Transfer Type	Indicative Rate	Cashback via DBF
2-Year Fixed Product Transfer	4.74%	Cashback available
5-Year Fixed Product Transfer	4.64%	Cashback available

About Kensington Mortgages

Kensington Mortgages is one of the UK's longest-established specialist lenders, with decades of experience providing mortgage finance for borrowers who fall outside mainstream lending criteria. Their product range covers adverse credit, complex self-employed income, non-standard property types, and buy-to-let including HMOs and limited company structures.

Kensington is a reliable choice for borrowers with satisfied CCJs, defaults, or previous mortgage arrears, and they operate a tiered credit matrix that reflects both the severity and recency of any credit events. Their buy-to-let criteria are flexible for portfolio landlords, and they are comfortable with a broad range of property types including ex-local authority, high-rise flats and non-standard construction. DBF regularly places specialist cases with Kensington.

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Tell us about your mortgage and we will compare Kensington Mortgages's current rates against the whole market - free, fast and with no obligation.

0204 6211776

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FAQs

Frequently asked questions

What is Kensington Mortgages's best mortgage rate in October 2026?

Kensington Mortgages' best rate in October 2026 is approximately 4.79% on a 5-year fixed at 60% LTV for eligible borrowers. Rates increase with LTV and with more recent or severe credit events.

Can I get cashback on a Kensington Mortgages product transfer?

Yes - through Doulton Bridging Finance. Eligible clients renewing with Kensington Mortgages on a like-for-like product transfer can receive cashback when processed via DBF. This is not available when applying direct to Kensington Mortgages.

Is it faster to renew my Kensington Mortgages mortgage through a broker?

DBF's product transfer system can process Kensington Mortgages renewals faster than applying direct in many cases. We handle all paperwork and submission on your behalf and compare the whole market first to confirm Kensington Mortgages remains competitive.

What is Kensington Mortgages's SVR in October 2026?

Kensington Mortgages' Standard Variable Rate in October 2026 is approximately 8.84%. Customers who don't act when their fixed term ends revert to this rate. Contact DBF before your deal expires to compare alternatives.

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