When it comes to specialist mortgages, there's not much we don't know.

With a 25-year heritage, Kensington has long been one of the UK's leading specialist mortgage lenders. We serve fast-growing segments such as the self-employed, those with multiple incomes and the over 55s - people the high street is not always set up to cater for.

We make specialist mortgages, special

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.

Vector logo


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.

annual growth stat
We originated c£1.5 billion of new mortgages in 2019.


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. 

A formidable team

The Kensington senior management team, with an average of more than 20 years’ experience in their field, bring extensive industry experience and knowledge to the business.

Their expertise encompasses building, acquiring, running and managing successful businesses having forged their careers at some of the premier players in the European and US mortgage space, including Nationwide, Deutsche Bank, RBS, GE and Barclays. 

Rupert Carlton

Nov 15, 2020, 17:33 PM
Name : Rupert Carlton
Role : Chief Risk Officer

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.


Our trophy cabinet

Personal Finance Awards Best Intermediary Lender


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