When it comes to specialist mortgages, there's not much we don't know.
When you've been around for as long as we have, you soon learn that putting people into neat little boxes is an approach that doesn't work.
We prefer to look beneath the surface and go deeper than the mainstream lenders where all too often the 'computer says no'. Our mantra is to look for ways to say yes, so that we can help as many people as possible get the mortgages they need.
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.
With assets under management of over £11 billion, Kensington is one of the UK's leading non-bank specialist mortgage lenders, including servicing of c£5.5 billion assets for third parties.
We originated c£1.5 billion of new mortgages in 2019 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 21 securitisations totalling over £11.5 billion since 2015.
Our Tax Strategy document sets of the Tax Strategy of Kensington Holdco Limited, its subsidiaries and associated UK companies.
It outlines how we manage our UK tax affairs and manage tax risk.
Download our Tax Strategy.
Amir has been working in the financial services industry across New York and London since 1992. Since 2015, he has worked for Kensington Mortgages as Credit and Analytics Director. Amir is responsible for credit risk and policy, asset management and portfolio strategy. He and his team are also responsible for developing and maintaining the various analytics tools used for funding, operations and portfolio acquisitions for the Group.
Prior to that, Amir's experience was primarily in fixed income capital markets with investment banks in New York and London where he worked as a managing director responsible for structuring of ABS/MBS. Amir received a BA in Accounting in 1992 from North Carolina State University. He also received his MBA from New York University Stern School of Business in 1999.
Alexander joined Kensington as Chief Financial Officer in December 2020 and is responsible for financial direction, budgeting, capital investment and M&A activity. He also oversees internal and external reporting across the business. Alexander brings over 25 years of global and domestic experience in multinational listed and private equity-owned fintech, international payment and financial services institutions. Prior to joining Kensington, Alexander was CFO at Visa Payments and Earthport (now Visa Payments) which followed CFO positions at CLS Group, American Express and Barclays.
In addition to his CFO roles, Alexander was a Non-Executive Director at FundingXchange, a UK-based digital marketplace for providers and SME users of debt finance, between 2015-2019.
Alex Maddox is responsible for Capital Markets and Digital Strategy for Kensington. He and his team are responsible for all aspects of wholesale funding, interest rate risk management and treasury. Alex has been at Kensington since the change of ownership in 2015.
Prior to that he was Head of European Residential Mortgage Trading or Securitised Products at several investment banks and hedge funds including Deutsche Bank and Citadel Investment Group. He has a master’s in engineering from Oxford University.
Richard joined Kensington as HR Director in 2014 and is responsible for recruitment, development, reward, engagement and organisation design and culture.
Prior to joining Kensington, Richard was the UK HR Director for Sun Life Financial of Canada. Previously, Richard held HR Director roles with Investec Bank, Marlborough Stirling and WSP.
Vicki joined Kensington in April 2018 and as Chief Commercial Officer is responsible for group strategy, product development and delivery, pricing, customer experience, brand and marketing.
Prior to joining Kensington, Vicki was Group Head of Strategy and Marketing at Aldermore, driving growth and product development across the Bank. She was also heavily involved in the company’s IPO on the London Stock Exchange in 2015.
Vicki previously spent 11 years across a variety of roles in GE Capital and 4 years as a consultant at McKinsey. She is also a qualified Chartered Accountant.
Craig joined the sales team in October 2017 as New Business Director responsible for Sales & Distribution Strategy across existing and New Channels.
Prior to this, Craig was Commercial and Channels Director at Lloyds Banking Group, with responsibility for analytics, pricing, customer experience, business development and channel engagement across retail and commercial banking.
Until April 2016, Craig was Mortgage New Business Director, responsible for overseeing mortgage sales across Lloyds Banking Group. He also previously held senior positions at Homeserve as Director of Marketing, as well as RAC and Aviva as Head of Sales and Marketing.
Kirstie has more than 20 years’ experience in financial services regulation and compliance including 7 years at the Financial Services Authority supervising retail banks and insurers.
In 2006, she joined Aviva as Group Compliance Director, responsible for regulatory compliance across the group’s global insurance and asset management operations. In 2010, she became the Chief Risk Officer for Resolution Limited and oversaw the risk and compliance aspects of the acquisition of the UK life assurance businesses of AXA and BUPA and their integration with Friends Provident to create the Friends Life business.
Kirstie joined Kensington to lead its compliance and financial crime prevention teams in October 2016 and oversees compliance and financial crime advice to support business development and compliance with new regulatory requirements, monitoring of mortgage lending and servicing processes, PEP and Sanctions screening and fraud investigation.
Rupert joined Kensington at the end of 2019 as Chief Risk Officer. Rupert has worked in financial services since 2001 holding roles across all 3 lines of defence as well as time spent within the consulting arm of one of the big 4 accountancy firms, although the vast majority of his career has been spent in 2nd line roles.
At the beginning of the financial crisis in 2008 he joined the supervision division of the Financial Services Authority in the UK working as a supervisor of a major UK Banking Group. At Kensington, Rupert is responsible for the day to day operation of the 2nd line risk management operations, where he and his team run and oversee the Enterprise-wide Risk framework working closely with the senior management team.
Mark has more than 30 years’ experience in driving transformative change and digital innovation within various sectors, most recently Financial Services. He has primarily worked with Fintechs, start-ups and digitally led organisations, with a particular focus on those aiming to pioneer market-leading initiatives.
Mark joined Kensington in 2019 taking on the role of Chief Operating Officer, responsible for lending operations, servicing, technology and change and procurement. In previous roles, he has led similar functions for esure, GoCompare, Macquarie Bank and Bouygues. Mark sits on Advisory Boards for Winmark and CIONET, has authored books on data protection and has been a Non-Executive Director for cloud-solutions business, Cobweb.
Mark joined Kensington as Group Chief Executive Officer in April 2018. Prior to taking up the position at Kensington, Mark was Executive in Residence at Centerbridge Partners, a private equity firm, with a focus on investments in the Financial Services Sector. He previously spent 18 years with GE Capital in a variety of senior management level roles, including Six Sigma Director for GE Consumer Finance UK, CEO positions at GE Money (Portugal and Romania), Budapest Bank (Hungary), GE Global Banking Asia and Bank of Ayudhya (Thailand).
In January 2013, Mark was appointed CEO of Sberbank Europe, responsible for the growth and development of their banking business across eight Central and Eastern European markets and served in this capacity until December 2014.