Value proposition

With over 25 years of leading the way, we are the home of the specialist mortgage. Discover the #KensingtonDifference

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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Specialist Mortgages, Buy to Let Mortgages, Residential Mortgages, Self-Employed Mortgages, and Contractor Mortgages