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.

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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. 

Simon Betteridge

Jul 2, 2024, 10:11 AM
Name : Simon Betteridge
Role : Chief Financial Officer
Simon is a Chartered Accountant with over 20 years’ experience in Banking and Finance. He has been with Barclays since 2007 and has held many different roles, most recently becoming both the Finance Director for Life Moments, as well as extending his remit to include Kensington CFO from July 2024.

Prior to Barclays he has held a number of roles within finance, including at the Ministry of Defence, GE and Genworth, covering audit, controllership, FP&A and leading Business Partnering/FD teams.

Outside of Finance, Simon has several years’ experience leading commercial teams – including responsibility for the commercial performance, pricing and lending policy across Barclays’ Mortgage, Savings and Insurance businesses.
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Our trophy cabinet

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


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