About Kensington
Kensington Mortgages – smarter mortgage solutions

Kensington is the UK's leading non-bank specialist mortgage lender.  With a 24 year heritage, Kensington uses a combination of data and human insight to look beneath the surface, to go deeper than mainstream lenders where all too often the answer is “computer says no”.  It is this “head and heart” approach which is the key to the #KensingtonDifference.

WE DON'T PUT PEOPLE INTO NEAT LITTLE BOXES

Our 24 year heritage in specialist mortgages means that we understand better than most that no two people are the same. We design our mortgages with flexible lending criteria to serve the needs of customers that the high street turns away, and target prime mortgage borrowers in growing market segments - people like the self-employed builder or kitchen table entrepreneur, the over 55s, contract workers, multiple income applicants or those who have a small blip on their credit file.  And it is through our innovative use of data, combined with human expertise, that we are comfortable lending to a broader range of people than other lenders.

 

DATA AND ANALYTICS ARE EMBEDDED IN OUR DNA

All Kensington mortgages are powered by VECTOR, our proprietary and hugely powerful analytical model that is embedded into all phases of the mortgage lifecycle.

VECTOR is supported by a unique dataset comprising over 400k mortgage accounts spanning all UK geographies, housing types, mortgage types and credit loan parameters for the last 20 years, and has driven the development of a number of in-house analytical tools and reporting capabilities that are key to the unique way in which we assess and manage mortgage credit risk.

 

FINANCIAL STRENGTH AND SCALE

With assets under management of over £11 billion, Kensington is the leading non-bank specialist mortgage lender in the UK including servicing of c£5.5 billion assets for third parties.  We originated c£1.2 billion of new mortgages in 2018 representing a Compound Annual Growth Rate (CAGR) of more than 25% over the last 4 years.

We are one of the largest issuers of residential mortgage-backed securities (RMBS) in the UK having sponsored 15 securitisations totalling over £8 billion since 2015.

 

Team

Bringing extensive industry experience and knowledge across the business, meet the Senior management team at Kensington Mortgages.

Team page
History

Kensington Mortgages may be a new brand, but the businesses that make up its affiliated companies have a rich heritage.

History timeline
News & Views

Our news, views and insights from across the Group and of the mortgage market.

News
 

Our Tax Strategy document sets out the Tax Strategy of The Northview Group Limited, its subsidiaries and associated UK companies. It outlines how we manage our UK tax affairs and deal with tax risk.


Download our Tax Strategy here.
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Media Enquiries 

Media enquiries are handled by our PR agency, Smithfield

HR Enquiries

For employment reference requests, please email us

Third Party Servicing

If you are a business looking for an experienced provider to service your mortgage portfolio, please email us

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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.