Company profileKensington Mortgages – smarter mortgage solutions We don’t put people into neat little boxes Our 25 year heritage in specialist mortgages means that we understand better than most that no two people are the same. We design our mortgages with flexible lending criteria to serve the needs of high credit quality customers that the high street turns away, and target prime mortgage borrowers in growing market segments - people like the self-employed builder or kitchen table entrepreneur, the over 55s, contract workers, multiple income applicants or those who have a small blip on their credit file. And it is through our innovative use of data, combined with human expertise, that we are comfortable lending to a broader range of people than other lenders. Data and analytics are embedded in our DNA 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. Financial strength and scale With assets under management of over £11 billion, Kensington is the largest non-bank specialist mortgage lender in the UK including servicing of c£5.5 billion assets for third parties. We originated c£1.2 billion of new mortgages in 2018 representing a CAGR of more than 25% over the last 4 years. We are one of the largest issuers of RMBS in the UK having sponsored 15 securitisations totalling over £8 billion since 2015
