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.
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.