Kensington Mortgages has cut rates across its buy-to-let range by up to 25 basis points, adjusting pricing on both two- and five-year fixed products.
The changes, announced on 20 January 2026, apply to mortgages up to 80% LTV across Kensington’s Prime and Core ranges, including products for limited companies*. The lender said the updates reflect a continued focus on pricing alongside service consistency for brokers and landlords.
Alongside the rate cuts, Kensington has added a £1,499 fee option to its Core range. This brings the Core proposition in line with a fee structure already available on the Prime range and applies across two- and five-year fixed rates.
Following the reductions, Kensington now offers a range of two-year fixed rates at 75% LTV, including:
2.99% with a 5% fee
3.74% with a 3% fee
5.29% with no fee
4.79% with a £1,499 fee
Pricing has also changed on five-year fixed products at 75% LTV. These now include rates of 4.74% with a £4,000 fee, 4.32% with a 3% fee and 4.99% with no fee.
Across the range, all Kensington buy-to-let products come with a free valuation. This applies to Core and Prime products, as well as mortgages for HMOs, MUBs and limited company borrowers.
Andy Bickers, commercial director at Kensington Mortgages, said: “These latest rate reductions reflect our ongoing commitment to supporting BTL customers with both competitive pricing and a consistently high level of service," comments Andy Bickers, commercial director at Kensington Mortgages.
He added, "While rates matter, we know that certainty and delivery are just as important to brokers and their clients. At Kensington, we don’t rely on credit scoring or charge any upfront application fees, with every case individually assessed by a dedicated underwriter from day one through to completion. This approach allows us to look beyond the numbers, understand each customer’s circumstances, and provide the certainty and service that brokers and landlords value in a changing market.”
