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.
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.