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- Tasks: Assess and approve mortgage applications while ensuring compliance with lending policies.
- Company: Join Kensington Mortgages, a leader in specialist mortgage solutions.
- Benefits: Enjoy a flexible work environment, personal growth opportunities, and a supportive culture.
- Why this job: Make a real impact in the mortgage industry and help customers find tailored solutions.
- Qualifications: 3+ years in Prime and Specialist lending with strong communication skills.
- Other info: Be part of an inclusive team that values diversity and neurodiversity.
The predicted salary is between 36000 - 60000 £ per year.
We're Hiring: Mortgage Underwriters
Location: Fully Remote (Including all training)
Type: Full Time, permanent
Reports to: Underwriting Team Manager
Salary: Competitive
Start Date: 11th May 2026
Are you an experienced mortgage Underwriter looking to make a real impact? We're on the lookout for motivated professionals to join our dynamic Lending Operations team at Kensington Mortgages.
This is more than just a job, it's a chance to be at the heart of our underwriting function, helping us deliver responsible, specialist lending with integrity. If you're passionate about making a difference and thrive in a fast-paced, purpose-driven environment, we'd love to hear from you.
Overall Purpose of Job
As an Underwriter, you'll be responsible for assessing and approving Residential and Buy-to-Let mortgage applications, ensuring they align with our lending policy, FCA standards, and Treating Customers Fairly (TCF) principles.
You'll be a key player in risk-based decision-making, maintaining top-tier underwriting standards and building strong relationships with brokers.
About Us
For over 25 years, Kensington Mortgages has been a pioneer in specialist mortgage solutions, offering hope to customers who may not fit the mould of traditional lending.
We call it the Kensington Difference - a commitment to understanding each customer's unique story and providing tailored solutions when others won't.
As a wholly owned subsidiary of Barclays Bank UK PLC, we operate with the highest standards of service and integrity, fully authorised by the Financial Conduct Authority.
Key Accountabilities
- Underwrite and approve mortgage applications within your mandate (250k+), ensuring quality and compliance.
- Escalate cases outside mandate with clear rationale.
- Communicate effectively with brokers, providing timely updates and clarity.
- Support User Acceptance Testing (UAT) phases.
- Champion TCF and responsible lending principles.
- Collaborate with the completions team to drive operational efficiency.
- Uphold our Code of Business Ethics and support financial crime prevention.
- Stay up to date with HR policies, regulations, and underwriting standards.
- Meet service level agreements and handle complaints professionally.
- Contribute to process improvements and ad hoc projects.
Experience, Knowledge, Skills
- Minimum 3 years experience in Prime and Specialist lending with a minimum mandate of 250k+.
- Strong communication skills and confidence in broker engagement.
- Deep understanding of the mortgage intermediary market and FCA permissions.
- Awareness of organised fraud and risk mitigation controls.
- A proactive, adaptable mindset with a collaborative spirit.
- Solid grasp of responsible lending and regulatory frameworks.
- Experience underwriting residential and buy to let cases.
Desirable Experience, Knowledge, Skills
- Experience with niche Buy-to-Let lending (HMOs, light refurbishments, multi-unit properties).
- Knowledge of Second Charge lending.
- CeMAP qualification.
Why Join Kensington Mortgages
At Kensington Mortgages, we believe our employees are the heart of our success. We are committed to creating a supportive and flexible work environment that values personal growth, professional development and a healthy work-life balance.
Our inclusive culture respects and celebrates diversity in all its forms, ensuring that everyone feels welcome, valued and understood. We recognise and appreciate differences in thinking, learning styles, gender, race, identity, ethnic origins and sexual expression.
We are an inclusive, neurodiversity-friendly employer committed to creating a supportive environment where all employees can thrive.
At Kensington Mortgages, our people are our greatest asset. We offer:
- A supportive and flexible work environment.
- Opportunities for personal growth and professional development.
- A culture that celebrates diversity, inclusion, and neurodiversity.
- A workplace where everyone feels valued, respected, and empowered.
Ready to make a difference?
If you're passionate about providing an exceptional service and want to join a team that values your contributions, we'd love to hear from you.
Apply today and be part of the Kensington Mortgages family and help us to continue making a positive impact in the lives of our customers.
Important Information
All offers of employment are subject to background checks including DBS, credit, and Right to Work verification.
* Start Date: Monday 11th May - * Please ensure availability for training and avoid long periods of annual leave during the initial onboarding phase.
Underwriter - Marlow, sl71yl in Cornwall employer: Kensington Mortgages
Contact Detail:
Kensington Mortgages Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter - Marlow, sl71yl in Cornwall
✨Tip Number 1
Network like a pro! Reach out to your connections in the mortgage industry, especially those who work at Kensington Mortgages. A friendly chat can open doors and give you insider info that could help you stand out.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of responsible lending and FCA standards. We want to see that you’re not just a great underwriter but also someone who understands the bigger picture.
✨Tip Number 3
Show off your communication skills! During interviews, be clear and concise when discussing your experience with brokers and how you handle complex cases. We love candidates who can articulate their thought process.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, it shows you’re genuinely interested in joining the Kensington Mortgages family.
We think you need these skills to ace Underwriter - Marlow, sl71yl in Cornwall
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Underwriter role. Highlight your experience in mortgage underwriting and any relevant qualifications. We want to see how your skills align with our needs!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Share your passion for responsible lending and how you can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Communication Skills: As an Underwriter, strong communication is key. In your application, demonstrate how you've effectively engaged with brokers or clients in the past. We’re looking for clarity and confidence!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re keen on joining the Kensington Mortgages family!
How to prepare for a job interview at Kensington Mortgages
✨Know Your Stuff
Make sure you brush up on your knowledge of mortgage underwriting, especially the specifics around residential and buy-to-let applications. Familiarise yourself with Kensington Mortgages' lending policies and FCA standards, as this will show that you're serious about the role.
✨Showcase Your Experience
Be ready to discuss your previous experience in prime and specialist lending, particularly any cases you've underwritten with a mandate of 250k or more. Use specific examples to illustrate your decision-making process and how you’ve maintained compliance and quality in your work.
✨Communicate Clearly
Since effective communication with brokers is key, practice articulating your thoughts clearly and confidently. Think about how you can convey complex information simply, and be prepared to answer questions about how you handle broker relationships and provide updates.
✨Emphasise Your Adaptability
Kensington Mortgages values a proactive and adaptable mindset. Be prepared to discuss situations where you've had to adjust quickly to changes or challenges in your work environment. Highlight your collaborative spirit and how you contribute to team success.
