About Kensington
Kensington Mortgages – smarter mortgage solutions

Kensington is one of the UK's leading non-bank specialist mortgage lenders.  With a 24 year heritage, Kensington uses a combination of data and human insight to look beneath the surface, to go deeper than mainstream lenders where all too often the answer is “computer says no”.  It is this “head and heart” approach which is the key to the #KensingtonDifference.


Our 24 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 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.



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.



With assets under management of over £11 billion, Kensington is one of the UK's leading non-bank specialist mortgage lenders, including servicing of c£5.5 billion assets for third parties.  We originated c£1.2 billion of new mortgages in 2018 representing a Compound Annual Growth Rate (CAGR) of more than 25% over the last 4 years.

We are one of the largest issuers of residential mortgage-backed securities (RMBS) in the UK having sponsored 15 securitisations totalling over £8 billion since 2015.



Bringing extensive industry experience and knowledge across the business, meet the senior management team at Kensington Mortgages.

Meet the senior leadership team 

Kensington Mortgages may be a new brand, but the businesses that make up its affiliated companies have a rich heritage. 

View our history timeline 
News & Views

Our news, views and insights from across the Group and of the mortgage market.

Read our latest news 
Investor Portal

Get access to Kensington's RMBS documentation and our market leading data visualisation tool to analyse our securitisation portfolios.

Visit our Investor Portal 

Our Tax Strategy document sets of the Tax Strategy of Kensington Holdco Limited, its subsidiaries and associated UK companies. It outlines how we manage our UK tax affairs and manage tax risk.

Download our Tax Strategy here.
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Kensington and Kensington Mortgages are trading names of Kensington Mortgage Company Limited (registered in England & Wales No. 3049877), which has its registered office address at: Ascot House, Maidenhead Office Park, Maidenhead SL6 3QQ.

Kensington Mortgage Company Limited is authorised and regulated by the Financial Conduct Authority (Firm Reference No. 310336). Some investment mortgage contracts are not regulated by the Financial Conduct Authority.