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Discover Flexible Buy-to-Let from Kensington

We know that your clients aren't all the same - that's why our Buy To Let range offers tailored affordability based on their individual circumstances. Try out our innovative Buy to Let affordability calculator to show maximum lending.

  • Top-slicing
    - Used to reduce Rental Income calculation‡
    - Rental cover from 125%
    ‡ If the application is for a Limited Company, only excess portfolio income top slice will be considered

  • Simplified calculator

  •  Applicant age
    - Maximum 70 years at application
    - No maximum age at end of term
    - Minimum age of second applicant reduced to 18 years

  • Non owner occupier and first time buyer now acceptable (subject to one applicant earning £40k)¥

  • HMO and MUB
    - Up to 75% LTV
    - Limited Company applications accepted
    - HMO up to 6 beds and MUBs up to 6 units
    - No minimum overall property value

    ¥ At least one applicant earns a minimum of £40,000 unless they have owned 4 or more BTL properties or their employer provides tied accommodation (such as forces or pub landlord) in which case no minimum income applies.

Search our Lending Policy

First Time Landlords

Competitive rates and loans up to £500k make this a first choice for your client’s first step into Buy To Let. Find out more >

Experienced Landlords

Lending with the benefit of no minimum income helps experienced landlords grow their portfolio. Find out more >

Let To Buy

Competitive rates to help your homeowner clients break the chain with our latest mortgage. Find out more >