Kensington has over 25 years’ experience of providing and servicing specialist mortgages and is the UK’s leading non-bank residential specialist mortgage lender. They 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.

Their range of innovative, award-winning mortgages are powered by their proprietary, in-house, data analytical model Vector, which is embedded into all phases of the mortgage lifecycle and enables them to assess and manage mortgage credit risk, as well as obtain key insights for product development.

With assets under management of around £10 billion, Kensington is the largest non-bank specialist mortgage lender in the UK and services c£5 billion assets for third parties. In 2021, they originated c£1.9 billion representing a CAGR of more than 20% over the last 4 years. They are one of the most frequent issuers of residential mortgage-backed securities in the UK having sponsored 24 securitisations totalling over £13.4 billion since 2015.