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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 lives of customers through responsible lending.
- 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 Edinburgh employer: Kensington Mortgages
Contact Detail:
Kensington Mortgages Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Underwriter - Marlow, sl71yl in Edinburgh
✨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. Show us you’re not just a candidate, but someone who truly understands the values we uphold at Kensington Mortgages.
✨Tip Number 3
Practice your communication skills! As an Underwriter, you'll need to engage effectively with brokers. Role-play common scenarios with a friend to build your confidence and clarity.
✨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 serious about joining our team and making a difference.
We think you need these skills to ace Underwriter - Marlow, sl71yl in Edinburgh
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, and don’t forget to mention why you’re excited about joining Kensington Mortgages.
Showcase Your Communication Skills: As an Underwriter, strong communication is key. In your application, demonstrate your ability to engage effectively with brokers and clients. Use clear and professional language to reflect your communication style.
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way for us to receive your application and ensures you’re considered for the role. Plus, it’s super easy to do!
How to prepare for a job interview at Kensington Mortgages
✨Know Your Stuff
Make sure you brush up on your mortgage underwriting knowledge, especially around FCA standards and responsible lending principles. Familiarise yourself with Kensington Mortgages' unique approach to lending and be ready to discuss how your experience aligns with their values.
✨Showcase Your Communication Skills
As an Underwriter, you'll need to communicate effectively with brokers. Prepare examples of how you've successfully engaged with brokers in the past, highlighting your ability to provide clear updates and maintain strong relationships.
✨Be Ready for Scenario Questions
Expect questions that assess your decision-making skills in risk-based scenarios. Think about past experiences where you had to make tough calls on applications and be prepared to explain your rationale clearly.
✨Emphasise Your Adaptability
Kensington Mortgages values a proactive and adaptable mindset. Be ready to share instances where you've successfully navigated changes or challenges in your previous roles, demonstrating your collaborative spirit and commitment to continuous improvement.
