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.
Ali joined Kensington Mortgage Company as Head of Lending Operations in March 2016. She is the lead on all aspects of mortgage lending operations, including underwriting. Since joining, Ali’s role has been extended to include Customer Servicing, Arrears Management, and more recently the Change Management and Project teams. Ali is now responsible for c.350 employees at Kensington and has over 20 years of experience working in the Financial Services sector.
Prior to joining Kensington Ali was the Director of Lending at Pepper UK, where she worked on the new lender proposition, and facilitated the process of getting them to new mortgage lender status in the UK. Ali worked for GE Capital in various credit and operational roles for 14 years, where she was responsible for multiple teams, comprising of c.250 staff across multiple locations. These included underwriting and processing of all new mortgage applications, Customer Services, Collections, Loss Mitigation, and Asset Management.
During 2019 and 2023 Ali studied for her MBA at Ashridge Hult College.