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.
Kirstie has more than 20 years’ experience in financial services regulation and compliance including 7 years at the Financial Services Authority supervising retail banks and insurers.
In 2006, she joined Aviva as Group Compliance Director, responsible for regulatory compliance across the group’s global insurance and asset management operations. In 2010, she became the Chief Risk Officer for Resolution Limited and oversaw the risk and compliance aspects of the acquisition of the UK life assurance businesses of AXA and BUPA and their integration with Friends Provident to create the Friends Life business.
Kirstie joined Kensington to lead its compliance and financial crime prevention teams in October 2016 and oversees compliance and financial crime advice to support business development and compliance with new regulatory requirements, monitoring of mortgage lending and servicing processes, PEP and Sanctions screening and fraud investigation.