On Wednesday 13th December 1995, Kensington completed its first loan and pioneered a new approach to lending to customers overlooked by mainstream lenders. 25 years later, we’re the UK’s leading residential specialist mortgage lender* with a mortgage book of over £5bn - and we’re still blazing a trail offering more people the opportunity to get a mortgage.    
 
Where high street lenders see black and white, we’ve always used our expertise and manual underwriting capability to see the shades in between. The way we use data has always been part of our DNA and that, combined with our human underwriting expertise means that we can often lend to people who fall outside of the traditional mortgage criteria.  In a market where extra-ordinary circumstances are rapidly becoming ordinary, it’s an approach that can make all the difference.  

Our mission is to help brokers secure a mortgage agreement for their clients – whether that’s for a home or buy to let property.   It’s why we’re always looking at ways we can make our lending criteria as flexible as possible, why we instruct valuations within one working day, and why our dedicated Business Development Managers are here to help.

It’s what we call the Kensington Difference.  


*Source: – 27 Tec Mortgage Illustrations – June – Nov 2018

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Kensington Mortgages

Peter Fletcher

Kieran Mulligan

The Compliance and Risk Management team at Kensington Mortgages plays a crucial role in ensuring adherence to regulatory standards and mitigating potential risks related to lending practices. They develop and implement compliance programs, monitor operations for regulatory alignment, and assess risk factors to protect the company and its clients. Through ongoing training and assessment, the team fosters a culture of compliance and risk awareness, enabling Kensington to maintain its innovative lending approach while safeguarding against potential legal and operational challenges.

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