We’ve made the following changes to our product range: First time buyer (FTB) and homemover (HMV) Introduction of 2 and 5 year 95% loan to value (LTV) FTB and HMV products; Selected rate reductions of up to 0.35% across 0-60% LTV 2, 3 and 5 year fixed rate FTB and HMV products; Withdrawal of 2 [...]

Short term mortgage to remodel 2 separate flats into 1 high end home. The facts at a glance... 4 bedroom detached London home; Property split into two flats by vendor; Borrowers planning to return to a single home through interior remodelling and move in; 80% LTV of £1.575m purchase price; Part repayment/ part interest only [...]

A number of your customers may have found themselves in an uncomfortable financial position before the pandemic and even more so now which may have led to a fragile credit profile. Securing finance from a High Street lender will be extremely hard and that’s why we’ve updated our credit policy to further support self-employed borrowers [...]

We are introducing a new credit decision engine that will initially be available exclusively for brokers from 26th April. There will be many benefits for customers who choose a NatWest mortgage via an intermediary, including that there will be no hard footprint left at the Agreement in Principle (AiP) stage and no limit to the [...]

We're pleased to let you know we've improved our income criteria and will be accepting bonus, overtime and commission as part of your client's mortgage affordability calculation. The income criteria page and affordability calculator have been updated to reflect these changes. Find out more here.

With the majority of 2020 and the early part of 2021 having a significant impact on many individuals’ income and financial situations, we anticipate that the self-employed particularly will require specialist residential finance going forward, whose propensity for complex income structures often throws them out of mainstream lending criteria. When you see national media headlines [...]

We’ll be made some changes to our mortgage product range, summarised below: Changes to 90% LTV products We've reintroduced 95% LTV products! These products are available for new purchases and remortgages for 2 and 5 year terms. This is a no fee range and we'll be offering a £500 cashback option, too. The following criteria [...]

We continue to listen to your feedback and have extended our core residential range to 95% LTV, offering a 5 year fixed rate priced at 3.89%. Launch highlights 5 Year fixed rate priced at 3.89% with a £999 fee which can be added to the loan; Purchase only - rate switch and top up options [...]

Here at Kensington, we wanted to provide brokers all the tools to submit a case successfully. To help speed up the application process, we’ve created a Residential and a BTL packaging guides detailing what documents we may require. Also don’t forget you can keep up to date on our weekly service levels, support guides, handy [...]