Buy to Let - Kensington Mortgage Conveyancing Requirements for Properties Let at Completion

Kensington Mortgage conveyancing instructions are set out in Part 1 of the Lenders Handbook which provides that unless it is clear from the mortgage offer that the property is tenanted or is to be let at completion then you must check with Kensington Mortgage as to whether Kensington Mortgage lend on "buy-to-let" premises and that the mortgage is for that purpose.

Need help with "Buy to Let" from Kensington Mortgage?

Previously updated on 06/11/2025 Section Two of the UK Finance Lenders’ Handbook for Kensington Mortgage deals with who you need to contact If different from paragraph 1.11, i.e the contact point if property is let or to be let. It also deals with whether Kensington Mortgage lend on buy-to-let

Kensington Mortgage Company Ltd, New Business Operations Centre,
2nd Floor, Marlow International, Parkway, Marlow, SL7 1YL. Tel: 03444 990011 Fax: 03444 990022.

In situations where the premises, or part of it, is currently let, or is to be let at completion, then the letting must comply with the details set out in the Kensington Mortgage mortgage offer or any consent to let Kensington Mortgage issue. If the letting does not comply, or no such details are mentioned, you are obliged disclose the position to Kensington Mortgage

Part 2 of the UK Finance Lenders’ Handbook for Kensington Mortgage deals with who you need to contact If different from 1.11, i.e the contact point when you do not have details of current letting or letting to take place at completion:

Kensington Mortgage Company Ltd, New Business Operations Centre,
2nd Floor, Marlow International, Parkway, Marlow, SL7 1YL. Tel: 03444 990011 Fax: 03444 990022.

Firms authorised on the Kensington Mortgage solicitor panel,when it comes to buy to let properties need to check Part 2 of the UK Finance Lenders’ Handbook as to whether counterparts or certified copies of all tenancy agreements and leases in respect of existing tenancies must be sent to Kensington Mortgage after completion

In addressing the question whether the bank requires a certified copy letting agreement to be sent Kensington Mortgage says:

Yes. A copy is acceptable. To be forwarded to: Deeds Administration Department, Kensington Mortgage Company Ltd, PO Box 831, Redhill, RH1 9NJ following completion.

The information contained within this webpage is for general information purposes only for lawyers in England and Wales, it does not constitute advice and you should always check the UK Finance Lenders’ Handbook for Kensington Mortgage Buy to Let requirements as well as the mortgage offer. Whilst we endeavour to keep the information up to date and correct but does not make any representation or warranties of any kind about its completeness, accuracy, reliability or suitability. Any reliance you place on the information is strictly at your own risk. Lexsure will not be liable for any direct or indirect loss or damage arising out of or in connection with the use of this information. The same caveat applies to members of the public looking at this page. If you wish to find a buy to let conveyancing specialist on the Kensington Mortgage panel or a buy to let mortgage broker click here.