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.
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.