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Reviews - Kensington Mortgage Company

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Excellent

“The hardest ladder to climb.”

published 25/03/2004

We have our own home

higher interest rates

Well house prices are rocketing around where I live and this time last year Gary and I was sitting in a concrete flat with neighbours from hell and myself fast losing the plot. We had put bids in for houses and were outbid and gazumped. So we had lost a lot of money and stopped searching whilst...

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Not for me

“Kensington Mortgages”

published 21/01/2008

You get what you need out of them

Obscenely high interest rates, no reward for loyal...

I took over a mortgage with my partner in 2005 following her messy divorce and our of desperation with all the debts her ex left her. We were directed to Kensington via a local Broker, which I have now learnt to be probably more to do with their high rate of commision to the broker and little to...

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Excellent

We got our lovely little house

high interest rates

We were professionals and had a perfect credit history and a large mortgage at 100% lending, we had credit cards everywhere but they were always paid and if i wanted to go and blow £200 on nothing I could. We never saved but put away to pensions. We had loans to go here there and everywhere. We...

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Not for me

None

The Worst Mortgage Co in the UK

I have worked in the mortgage industry for well over 5 years and in all this time my experiemces with Kensington Mortgage Company has been horrific. They will quite happily tell anyone who asks them that they dont care about customer service because as they see it anyone who is their customer...

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Not for me

published 17/12/2008

Do NOT touch this mortgage lender! Check the money forums, they ALL tell the same story! We have had a mortgage with Kensington for over 4 years and we are stuck with them. In 2004 the base rate was 4.75% our mortgage rate was 7.8% four years later the base rate has dropped to 2% our mortgage will also be dropping in January to 8.7% - thats right 0.9% higher than it was four years ago even though the base rate has dropped 2.75% in the same period! Their website states that their variable rate tracks the base rate, what a load of bull! Thier staff are also mostly unhelpfull!

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Not for me

“DO NOT TOUCH KENSINGTON!!!”

published 29/04/2007

They will give money to your cat!!

Bloody poor customer service. They cost you an arm...

DO NOT USE KENSINGTON!!!!!! Coming to the end of a nasty divorce, I needed to find a remortgage quickly in order to make good a settlement to my ex-wife. My own lender- HALIFAX, refused me a remortgage on the basis I had an adverse credit rating. In desperation and after seeing their ad's on...

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Not for me

published 08/01/2008

Scam. Stay away! They take the money from your bank two days before they know your wages arrive, stick you with high 'penalty' fees, build up the debt that way to massive proportions, then take you to court and get your house off you. You would be better off taking out a loan from your local crack dealer then burning everything you own in a backyard bonfire. At least that way you would still have a back yard.

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Not for me

published 26/11/2008

I work abroad and missed a payment. Previous to that I had never missed any. On my return, I sent the payment straight away. Whilst the payment was in transit or being processed, I was phoned by an EXTREMELY rude man who spoke to me like dirt. I was two days past my "payment due date" at the time. The minute my fixed term deal is up I shall switch mortgage providers straight away. Don't touch them with a bargepole unless you have no option.

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Not for me

anyone can get a mortgage

high interest rate rude customer services

kensington mortgages are to be kept away from, i took a mortgage out with them in 2004, once i got into financial truble i tried to make arrangement to pay off the arrears but they were so rude all they were interested in was my house. they won a repossession order and said if i paid £3900 they...

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Super

“Kensington Mortgage Company”

published 23/06/2007

Self Cert - likely to get a bigger mortgage than y...

Higher interest rate

I used Kensington to get a self certify mortgage. We had a house to sell which my partner owned and it didnt sell but we needed to move to another city. I got a £200,000 mortgage which I would not have been able to obtain through a normal high street Lender on my wage alone which then enabled us...

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Not for me

Absolutely none

A very high chance of losing your home & savings

I ended up having to sell after they kept trying to reposess and even though my sale was due to exchange in just a couple of days they took me to court to try & kick me out, so they could make more profit than the tens of thousands of interest & redemption penalties they were making. My lawyer...

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Not for me

“Kensington - Be Warned!”

published 08/12/2008

Will lend if you have nowhere else to go.

High fees, rates, poor, threatening service, high ...

Do not use Kensington if you have any choice at all. They will treat you very badly, they will load your account with fees and they will increase your interest rate EVERY time you are late with a payment. In addition, while they state on their website: Kensington Variable Rate (KVR) Our Prime...

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Not for me

“mortgage”

published 02/05/2009

none

very expensive and our always delaying by 2 mont...

hi every one heres the snag iv got 2 mortgages kensington & capital home loans kensingtons mortgage £233.000 im paying £833 a month capital home loans £296. 500 im paying £433.00 a month im also in a tied in for 3 years with kensington wich ends in december thank god £14000 charge if id of sold...

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Not for me

published 24/05/2007

DO NOT USE KENSINGTON FOR NO REAsON AT ALL, i got a mortgage from then on 6.3%. between a year and a half , it rose up to 9.10 which i'm having problem in paying.because i'm missing a 6 weeks, they took me to court now i've put the house on the market. hope fully i'll sell it before the take it off me because thats their plan

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Excellent

“Mortgages for all”

published 22/08/2003

Competitive rates, good customer servce, sub-prime...

can i say none?

Kensington offer mortgages for all, for those with perfect credit scores and for those who unfortunately don't. They offer all types of products to suit everyone's needs, First time buyers, next time buyers, buy to lets, remortgages, right to buy... the list goes on. These can be based on fixed...

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