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.
In March 2023 Kensington was purchased by Barclays Bank UK PLC, and became part of the wider Barclays Group.
As part of the acquisition, Kensington continues day-to-day business operations as usual, supporting a broad range of borrowers that the High Street would typically not serve, but now with the added financial strength, deposit funding base and operational reach that comes from ownership by one of the UK’s largest financial services institutions.
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.
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.
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