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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Business Development

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Kensington Mortgages

Peter Fletcher

Kieran Mulligan

The Data Science and Analytics team at Kensington Mortgages leverages advanced analytical techniques and data-driven insights to enhance the company’s lending strategies and decision-making processes. By analyzing borrower data and market trends, the team plays a crucial role in optimizing mortgage products and refining risk assessment approaches. Their work not only supports the company's mission to offer flexible lending solutions but also ensures that Kensington remains agile in meeting the needs of underserved clients in a dynamic market.

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