Kensington Mortgages Reviews - www.kmc.co.uk

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Latest Reviews

★☆☆☆☆

“Not as promised”

Written on: 29/08/2019 by Valerie22 (1 review written)

I was called on the 21.08 by Enact, Kensington's Solicitors to confirm that my re-mortgage would complete on the 29.08 and funds available in accounts by 4pm. This however is not the case. I have today (29.08) been called by Kensington's solicitors Enact that the mortgage has been confirmed for release on the 02.09. At this point I informed them that I have a call on the 21.08 confirming today (29.08) as the completion date, so what is happening. At this point Enact put me on hold to find out… Read Full Review

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★☆☆☆☆

“Loan Sharks ... praying on the already vulnerable”

Written on: 17/04/2019 by Rebekahv1970 (1 review written)

After divorcing and with some adverse credit, my mortgage broker recommended the Kensington to take out a mortgage with. Their rates were a higher than the more reputable lenders but having worked out my finances, with two children and working full-time, I thought I would be fine covering the monthly repayments. However within three months of moving into my new home I received a letter from a company called Mortgages No 6 who had apparently had .. " bought" my account/mortgage from the… Read Full Review

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Believeinkarma's Comment

Written on: 17/08/2019

I am awaiting a Financial Ombudsman Service investigation decision from Kensington Mortgage Company. I have been wanting to apply to the Financial Ombudsman Service for years and Kensington Mortgage Company responded to my complaint in writing stating I was not an eligible complainant to the FOS and The Financial Conduct Authority would not allow them to investigate my complaints about hidden, unfair and excessive charges. On one day alone back in 2013 Kensington Mortgage Company charged the account £17,612. In one year 2013-14 the total charges added to the account was over £40,000. I could only just about manage the mortgage and as a lone parent and survivor of domestic and economic abuse from my ex partner, but could not afford to pay hidden and unknown charges indefinitely, especially as they were occurring despite paying the agreed monthly mortgage amount.

In 2019 it was confirmed that I was an eligible complainant to the FOS under FCA rules and had been all along and my concerns should have been addressed back in 2014. It was also confirmed that Kensington Mortgage Company had no right to decide and tell me or the Court who was dealing with possession proceedings that the Financial Ombudsman Service had refused to help me and if the Court was minded to order that they did, they would appeal as the Court had no jurisdiction to force the FOS to consider my complaints.

That turned out to be lies and again both myself and the Court were misinformed. (There are now misconduct complaints investigations by the Bar Standards Board for the Radcliffe Chambers Barrister that passed on the incorrect information to the Judge, as well as Solicitor Regulation Authority Complaints against the Denton’s Solicitors Lawyer and Paul Heeley Kensington Mortgage Company’s own in house Senior Lawyer for their parts in misinforming the Courts) it turns out the FOS had written to Kensington Mortgage Company prior to the Court hearings informing Kensington Mortgage Company Litigation Team that my Complaints were with them, going to be investigated, I was eligible to complain and most importantly to please hold off on any eviction or repossession proceedings. Of course the Solicitors and Barrister being investigated for misconduct, forgot to tell the Judge that bit, even though he asked these questions outright. Because the Court was likely to have said that the repossession proceedings could be put on hold to allow a fair investigation by the FOS,,as the FOS also requested, these lawyers wanted a repossession so lied. I was a litigant in person so they thought I would never fight on and investigate until I found the truth, especially after I lost my home. Now the FOS investigation is tasked with putting me back to the position I would have been, had the lies and errors not occurred.

So if a lender ever writes and says you are not eligible to complain to the FOS, they are lying. Under FCA DISP Rules 1.4 they must merely inform you that you can bring a complaint to the FOS and provide a leaflet on how to complain to the FOS. It is the FOS who decides whether or not someone is eligible to complain and if they will or not. Any lender like Kensington Mortgage Company who tries to interfere with this process to help consumers knows they have done something that is wrong.

It has been 1 year 2 months since I first complained to Kensington Mortgage Company and 8 months since I was deemed in jurisdiction by the FOS and my complaint started. The FOS have asked Kensington Mortgage Company if they wish to make a settlement for their actions before the long FOS investigation concludes and Kensington Mortgage Company have said no.

However, even though I have started the complaints process to the legal regulatory authorities about the Solicitors and Barrister, Kensington Mortgage Company appear to let them be thrown under the bus. I was told to even save the reputation and careers of their legal team they might offer to settle, they have not.

I lost everything my home, much of my belongings and my home was sold at a massive undervalue leaving me with nothing. But these methods adopted by Kensington Mortgage Company and their Lawyers are tried and tested and need to be exposed so they don’t continue pulling the wool over the eyes of the Court, the Financial Conduct Authority and the public to get repossessions. So I know my case involves so much evidence that proves Kensington Mortgage Company acted intentionally wrong, this will be highlighted and hopefully prevent other families and children being made homeless.

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★☆☆☆☆

“Nothview Group who own Kensington need investigating”

Written on: 15/12/2018 by 423McCabe (1 review written)

Dear xxx, The Treasury Committee and The Financial Conduct Authority, I would like to formally draw your attention to concerns I have, been transparent about and already raised directly to Northview Group CEO, who own Kensington Mortgage Company. I believe an investigation is required and suspect it will find that a large number of borrowers who have experienced some form of inappropriate action, suffering material financial distress as a result of Northview Group/Kensington Mortgage… Read Full Review

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★★★★★

“Help to Buy Mortgage”

Written on: 20/07/2018 by Robertsonfa245 (1 review written)

We recently had a mortgage to Kensington using the government help to buy scheme. We used a broker who was fantastic. They had never used Kensington before so they collected everything asked for up front and submitted everything all together. Our mortgage was approved in less than 3 weeks and due to delays with the new build property we bought the mortgage was extended. We are now living in our new house and I have been very happy with the process with Kensington. We had a bad financial… Read Full Review

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Laurat2010's Comment

Written on: 15/09/2018

Hi did they call your employer before completion? We are buying a new build and due to complete in 2 weeks but they have now 're issued the offer with more special conditions one of which asking for new home and business numbers? Not sure if this means they will be calling our employer thanks

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★☆☆☆☆

“Absolute Time wasters!!”

Written on: 12/02/2018 by Underwood1986 (1 review written)

All this company does is take your money and ask for more and more information from you.. never with the intentions of actually giving you a mortgage! I would never recommend these to ANYONE! STAY AWAY! THEIR STAFF ARE NOTHING BUT RUDE WHEN DEALING WITH CUSTOMERS OVER THE PHONE! Wasting peoples time! disgusting!… Read Full Review

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★☆☆☆☆

“STAY AWAY THEY ARE A NITEMARE ..”

Written on: 09/02/2018

Only Borrowed £30,000 I now Owe over £50 ,000 With Being ill and Constant charges for Letters and Them sending out Advisors .Then they send a Letter to say I refuse to see them More Charges But I can't see them as I was in Hospitial So More Charges Total Nitemare Wish I could Win the Lottery and Pay them Off as I've had nothing but Misery off them last 8 Years Never Again .Please Don't use them as The Staff are So ignorant and cut throat No compassion at all and There are far better Deals on… Read Full Review

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★☆☆☆☆

“Go somewhere else, so un-Proffesional.”

Written on: 12/12/2017 by Crabtree37 (1 review written)

Paid off my mortgage with a lump sum of nearly £12000 pounds with a direct bank transfer, only to have them place that money into a holding account because they wanted to know where I got that money came from ? Whilst this was happening, they continued to take a direct debit from my account for the mortgage, even though I had paid it off. I now have to send them proof of where I got the money to pay off my mortgage as it is "their policy" to not clear the mortgage until I can "prove" where the… Read Full Review

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Tracyg4's Comment

Written on: 14/12/2017

my sister having problems with this company we have to pay back all money outstanding as they wont extend morgage im paying some and we are hoping to get confirmation from another finance company that they will give them a morgage and they have asked me to provide evidence of where my money is coming from how did you do this. Im nervous of paying this money as they wont seem to put anything in writing. did you report them

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Jacktgelab's Comment

Written on: 08/05/2019

Did similar thing to me.
I didn’t choose them, they bought my mortgage from GMAC. Buy to let. I had a lease in place for many years with a charity for the property. When they became my lender they assured me nothing would change. Mmmm that was reneged on...refused to let my tenants renew their lease....thereby putting me in danger of litigation from my tenants, they would have to leave the property, sue me etc. Kensington wouldn’t budge, my solicitor kept writing to them proving they’d made a mistake. Finally I paid off the mortgage in several lump sums, I would’ve probably gone bankrupt had my tenants sued me. First payment I sent to Kensington was £25K, they phoned my office very rudely demanding to know where the money came from. I told them it was none of their damned business, notwithstanding it was on a company cheque from my own hotel

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★☆☆☆☆

“Over charge you and staff very nasty”

Written on: 25/10/2017 by 361Donahue (1 review written)

Had a mortgage with them not very helpful and staff are nasty They don't give a sxxx about you I wouldn't recommend them to anyone I hope karma comes round to them one day… Read Full Review

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★☆☆☆☆

“ahhhhhhhhhhhhhhhhhh!!!!!!!!!!!”

Written on: 20/10/2017 by LeonardoHunter1962 (1 review written)

They are the slowest thing since london discovered Gin. The process has taken so many years off my life I wont live another 25 years to pay off the mortgage. We were offered another provider but we chose these as the interest rate made the payments £30 less. At this stage I would gladly pay that in order to have a provider that gave a stuff about the poor..... person being put through the mill. Avoid Avoid Avoid. Will get you there at some point in the far and dismal future - but is… Read Full Review

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★☆☆☆☆

“very bad service ”

Written on: 09/09/2017 by Pearsondz345 (1 review written)

they are the worst company I no all the people you speak to read of a script ask anything of the script they have not got a clue I would not recommend this company at all… Read Full Review

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★☆☆☆☆

“Don't go near this company !!!”

Written on: 20/07/2017 by vfFloyd455 (1 review written)

Like other reviews about Kensington we had a similar experience. Started off ok in the beginning, quick to send out the Agreement in principle but when it came to proceeding with house purchase that was when it became very frustrating, they were continuously asking for paperwork that they had already had, long delays due to them being ' so busy with mortgage applications ' ? , due to delays ( on their part) the paperwork would then be out of date so had to resend more and more stuff and got… Read Full Review

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★☆☆☆☆

“miserable dismal company”

Written on: 08/07/2017

cannot understand why anyone would want anything to do with this miserable, dismal company, let alone work for them as one of their pointless, unhelpful, ill trained, customer service staff. no doubt nice, normal people until they step through the doors of this outfit and waste their lives being one of their robotic lackeys. to all kensington staff - get a life, don't waste it serving this awful outfit. you surely cannot be that desperate for a job! will not answer a direct question concerning… Read Full Review

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★☆☆☆☆

“Kensington morgage company AVOID ”

Written on: 11/04/2017 by madfrank (1 review written)

Avoid this company. Ge money sold mortgage on to the Kensington, and since then I have had nothing but problems they cancelled the direct debit and then hounded me to pay extortionate unpaid direct debit fees they instructed solicitors and was visiting an incorrect address? never made contact at the mortgage address so had no idea what was going on . The Kensington tried to get me to pay £1000 for there solicitors fees finally got them to back down and received a letter of apology, all good… Read Full Review

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Jacktgelab's Response to madfrank's Review

Written on: 09/05/2019

Totally agree with you on this, took over my G MAC Mortgage, as soon as the trouble started I instructed my solicitor, she was brilliant....only way to go with them, impossible to fight them as an individual

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★☆☆☆☆

“shocking company”

Written on: 19/03/2017 by Holt451 (1 review written)

my broker recommended using Kensington due to out credit history issues. Kensington claim to help people with poor credit history and understand real life. this was far from my experience! at the start it seemed ok...then it all went wrong. they started asking for paper work that they already had time and time again...asking questions totally irrelevant to the situation. They even questioned why I was putting money into savings per week (I good thing I thought) extremely slow to respond to… Read Full Review

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★☆☆☆☆

“Refund.”

Written on: 05/03/2017 by MarinaCoyne120 (1 review written)

Took money out of my account, rang and they said they would refund the money same day if possible but no later than close of business next day. They didn't so rang them back and told it would take until weds next week and they were sorry, experience!Wind I'm on disability allowance and need the money for food and it's now Friday and they promised me the money they owed me. When I asked squat I meant to do about food for the next 5 days he said why haven't you got money in your account the… Read Full Review

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★★★☆☆

“Painfull approval process but I'm now on the property...”

Written on: 04/01/2017 by Property_tycoon (1 review written)

I'm a contractor in the banking sector. This is considered by lenders to be self employed, and therefore difficult to get a mortgage (or at least get a decent loan amount). KMC were the only lender in the market who was willing to give me the amount I needed to buy a 2 bedroom semi in SE London. They were prepared to base servicing calculations on my day rate, instead of 2-3 years annual accounts which made a huge difference to the amount I could borrow. The approval process was drawn out and… Read Full Review

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★☆☆☆☆

“Absolute criminals ”

Written on: 18/12/2016 by Dazh1 (1 review written)

Customer service is absolutely terrible! No replies! Literally ignorant! Ask for silly pointless documents over and over again! We decided not to go for a mortgage with them over thier ridiculous terms that practically mean they have you over a barrel. They will aim to take your home! Anybody leaving good reviews are Kensington themselves to try to sweeten reviews! Since declining Kensington they have done more hard searches on us, to ensure our credit scores are more damaged therefore having… Read Full Review

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★★★★★

“Fantastic service and now have a mortgage ”

Written on: 11/12/2016 by Ian567 (1 review written)

I have wanted to buy a home for some time however I had cancer in 2012 got myself into a mess and ended up with some defaults. Applied to Kensington on 18th October 2016 and they asked for 3 months bank statements, sa302s, an accountants ref and the usual id. Valuation was instructed on 11th November and a full offer received on 20th November. Just under 7 weeks from initial application I have completed on a new home where no one else was able to help. They kept me fully updated via the… Read Full Review

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★★☆☆☆

“Gave Equifax false Information. Now failed to send DPA...”

Written on: 04/11/2016 by T_SIMMS (1 review written)

Incorrect Information sent to Equifax. My mortgage was transferred to Kensington. I decided to go elsewhere. The other mortgage company I applied to asked why I had two mortgages. When I said I don't, they pointed out that Equifax was reporting I had two mortgages with Kensington. Kensington refuse to take responsibility. After a bit of a fight, I got the Equifax record corrected. I complained to Kensington. They said it was all Equifax's fault. I complained to the Financial Ombudsman; She… Read Full Review

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★☆☆☆☆

“Lost my deeds”

Written on: 21/09/2016 by foRose208 (1 review written)

Dreadful customer service. I called twice write and e mailed to get them to look into my complaint nothing. I was selling my house so needed the title deeds to the property they had lost them... No one ever called me back so i am now going to go through to FCA i suggest others do the same… Read Full Review

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Clairet19761's Comment

Written on: 29/09/2016

you will need to complaint to the FOS the FCA are the regulators.

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Susiepratt's Comment

Written on: 29/09/2016

I will. it went from bad to worse after they lost my deeds for the sale of my house. The didn't take of my last mortgage payment of over a £1000 so the final schedule which was 2.5 weeks after i made my last mortgage payment was not deducted and i now have to wait supposedly 21 days to be refunded!!!! This company needs to be looked into very closely.

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Believeinkarma's Comment

Written on: 31/03/2019

Well I have requested that Complaints and Serious and Prolonged failures by Kensington Mortgage Company/Northview Group are to be referred to FCA Executive Director of Enforcement. I hope Panorama do a documentary on their treatment of people too.

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Believeinkarma's Comment

Written on: 31/03/2019

How did you get on with the FCA? Did they do anything?

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