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.