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.
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.
Marc started his role as Kensington CFO in May 2023 and is a member of Kensington Board. He is also a non-executive Director of Clydesdale Financial Services, having previously held the CFO position.
Marc has worked in financial services for 20 years with roles covering distribution, strategy and product management in HBOS and Lloyds Banking Group. He successfully led mortgage pricing for the enlarged LBG brands including integration and customer management. Marc joined finance in 2014 before joining Barclays UK as Financial Controller in 2017. Marc established a group wide impairment team covering all business lines and was a key member of the COVID response team working with the Bank of England and other lenders through the crisis. More recently, Marc has led CFO business lead teams in BUK covering all product and customer activities.
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