Kensington Mortgages

Kensington Mortgages: Flexible Lending Solutions

Kensington Mortgages is a specialist lender in the UK, renowned for offering flexible mortgage solutions tailored to the needs of borrowers with unique financial situations. Whether you are self-employed, have multiple income streams, or face other complexities that make securing a mortgage challenging, Kensington Mortgages is committed to providing options that fit your circumstances.

At Kerr & Watson, we work closely with Kensington Mortgages along with other lenders to provide our clients with access to these specialised products, ensuring that you secure the right mortgage for your financial goals.

Why do people consider Kensington Mortgages?

Expertise in Specialist Lending

Kensington Mortgages is well-known for its expertise in offering mortgages to clients who might not fit the traditional lending mold. Whether you are self-employed, have a less-than-perfect credit history, or have complex income structures, Kensington Mortgages provides tailored products that support your specific needs. Their approach ensures that even more complex cases are given full consideration, offering opportunities to a wide range of borrowers.

Flexible Lending Criteria

Kensington Mortgages recognises that every borrower is different, which is why they offer flexible lending criteria to accommodate various financial situations. This includes products designed for contractors, those with fluctuating incomes, and other non-standard scenarios. Kerr & Watson can help you navigate these options, ensuring you get the best possible terms for your mortgage.

Dedicated Intermediary Support

Kensington Mortgages operates exclusively through intermediaries, meaning that you will receive expert advice and support throughout the mortgage process. By working with Kerr & Watson, you benefit from our comprehensive knowledge of Kensington’s products and our ability to provide personalised advice tailored to your financial strategy.

Efficient Service

Kensington Mortgages is dedicated to providing a streamlined and efficient service, with a focus on quick decision-making and clear communication. This ensures that your mortgage application is processed smoothly and without unnecessary delays, helping you secure your property with confidence.

Switching Your Rate with Kensington Mortgages: What You Need to Know

Kensington Mortgages product switch service is available exclusively through mortgage brokers.

By working with Kerr & Watson, you can take advantage of Kensington Mortgages’ competitive rate switch options without the hassle of complex paperwork or additional fees.

What Does This Mean for You as a Kensington Mortgages Borrower?

If your current Kensington Mortgages product is approaching its end, it’s crucial to consider switching your rate. Locking in a new rate early can protect you from potential increases in interest rates or changes in market conditions. With Kensington Mortgages, you benefit from no application fees, no valuation fees, and no legal fees when switching your rate, making the process both cost-effective and efficient.

For those with complex financial circumstances, securing the right rate is vital for managing your finances effectively. Kensington Mortgages offers tailored options that align with your financial goals, whether you’re looking to refinance an existing property or adjust your mortgage to better suit your current situation.

Product Highlights

Residential Mortgages

Kensington offers flexible solutions for a variety of borrowers, including self-employed individuals, contractors, and those with complex income streams.

Buy-to-Let Mortgages

Designed for landlords and property investors, with options that accommodate various types of properties and borrower circumstances.

Specialist Products

Kensington provides bespoke mortgage solutions for borrowers with unique financial situations, including those with credit history issues or non-standard income.

Why Contact Kerr & Watson?

Navigating the mortgage market can be challenging, particularly when dealing with specialist products like those offered by Kensington Mortgages. At Kerr & Watson, we simplify the process by providing expert advice and personalised service. Our team will work with you to understand your financial goals and match you with the best mortgage products available, ensuring that you make informed decisions every step of the way.

Get in Touch

Don’t miss out on the opportunity to benefit from Kensington Mortgages’ specialist lending solutions.

Contact Kerr & Watson today to speak with an adviser and explore how we can help you secure the right mortgage for your needs.

The information on this page is not tailored to any individual readers and should not be considered financial advice under any circumstances.

If you are seeking advice about a mortgage, you should speak with a qualified advisor.

Your Mortgage In 3 Easy Steps…

Conversation

Schedule a call to talk to a mortgage advisor about your goals, challenges and vision for your mortgage.

Alternatively give us a call on 01252 224620 or email us on info@kerrandwatson.co.uk.

Research

We will take the information gained on the call and carry out some research before sending you a bespoke recommendation.

If you would like an agreement in principle, we’ll also arrange this for you.

Application

We will submit the full application to the mortgage lender, sending them the documents and liaising with the underwriters until the mortgage has been fully offered on the new interest rate.

We will also communicate with you at every stage, from application to completion.

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Kerr & Watson | Address: Pembroke House, 8 St Christophers Pl, Farnborough GU14 0NH, UK | Phone: 01252 224620 | Email: info@kerrandwatson.co.uk | Hours: Mon-Fri 9:00–17:30

Frequently Asked Questions

▸ ▾ What does a mortgage advisor do?

A mortgage advisor evaluates your income, outgoings, credit history, and other financial commitments. They also assess property-related details, whether you’re buying or refinancing, ensuring you understand the best mortgage options for your situation. They also process the mortgage application to the lender, working with them to obtain a mortgage offer, then work with the conveyancer towards the completion of your purchase or remortgage.

▸ ▾ How does a mortgage advisor enhance the likelihood of mortgage approval?

A mortgage advisor increases your chances of mortgage approval by matching you with the most appropriate lenders, optimising your application, and navigating complex lending criteria to find the best value deal for your circumstances.

▸ ▾ What are the financial benefits of working with a mortgage advisor?

Working with a mortgage advisor can save you from costly mistakes such as choosing the wrong mortgage type or failing to meet a lender’s criteria. Their expertise often leads to securing more favourable mortgage terms and rates.

▸ ▾ Can a mortgage broker get you a better rate?

Often, a mortgage broker can find more cost-effective deals for you, even when their fees are considered, they can review the whole market and access exclusive broker only products that may not be available directly to the public.

▸ ▾ What steps should you take before speaking to a mortgage advisor?

Before speaking with a mortgage advisor, gather all relevant financial documents, including payslips, bank statements, and details of your credit history to ensure an accurate assessment of your situation.

▸ ▾ What range of financial history do mortgage advisors examine?

Mortgage advisors and lenders typically assess the last six years of your credit history to gauge your financial behaviour, this includes any missed payments or defaults.

▸ ▾ How long does it take a mortgage advisor to get a mortgage offer?

The process from application to approval of a mortgage can vary, normally this is anywhere from two to six weeks depending on the mortgage lender and the complexity of your situation.

▸ ▾ Do mortgage advisors have access to exclusive mortgage rates?

Yes, mortgage advisors often have whole-of-market access, which allows them to secure competitive rates, sometimes not directly available to consumers.

▸ ▾ What documents do mortgage advisors typically require?

Advisors typically need proof of identity, proof of address, 3 months payslips, tax calculations or accounts, bank statements, and potentially credit report to fully assess your financial situation.

▸ ▾ What are the advantages of using a mortgage broker rather than going direct to your bank?

A mortgage broker can provide whole of market advice by comparing offers from multiple lenders, potentially securing better rates and terms than a single bank’s offerings.

▸ ▾ Who are the Financial Conduct Authority?

The Financial Conduct Authority (FCA) regulates mortgage brokers and lenders to ensure they adhere to ethical and professional standards.

▸ ▾ How do you know if your mortgage advisor is qualified?

A qualified mortgage advisor should have a Certificate in Mortgage Advice and Practice (CeMAP) or equivalent, which is recognised by the Financial Conduct Authority (FCA). They should also be listed on the Financial Services Register, ensuring they are authorised to give mortgage advice.

▸ ▾ How can you get a free credit report?

Lenders look closely at your credit score to decide how risky it is to lend to you. A good credit score can not only boost your chances of getting approved for a mortgage but might also get you better interest rates.

CheckMyFile offer a 30-day free trial after which a subscription fee applies, which can be cancelled any time.

CheckMyFile is a UK credit reporting service that collates information from the most popular credit referencing agencies, Equifax, Experian & TransUnion.