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

For over 25 years, Kensington has been one of the UK’s leading specialist mortgage lenders. We serve fast-growing segments such as the self-employed, contract workers, multiple-income applicants and those who have a small blip on their credit file – 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


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.

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. 

Kieran Mulligan

Aug 25, 2023, 14:05 PM
Name : Kieran Mulligan
Role : Chief Risk Officer

Kieran has 23 years of risk experience, with the last 17 being with Barclays Bank UK, becoming their CRO for Secured Lending in June 2022. His remit extended to Kensington Mortgages from June 2023, where he is responsible for risk management for the whole business.

His previous roles have included Head of Risk Oversight for Barclays Europe, where he coordinated retail credit risk management across the European portfolios, the deployment of best practices and compliance with internal policies. He has also led the Consumer Lending credit risk team for Barclays UK, with primary responsibility for the development and maintenance of the credit originations strategy for the unsecured personal loan product, a role he held for 7 years.

Kieran started his career with Halifax, subsequently HBOS, where he held a number of roles in the credit risk team.


Our trophy cabinet

MF22 multiWIN-onlinemrtprv
Best specialist lender award for 2023
Personal Finance Awards Best Intermediary Lender


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