Mortgage Underwriter

Location: Fully Remote (Including all training)

Type: Full Time, permanent

Reports to: Underwriting Team Manager

Salary - Competitive

Start Date - 19th January 2026

Are you a 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.

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.

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.

• Underwrite and approve mortgage applications within your mandate (200k+), 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.

• Minimum 3 years experience in Prime and Specialist lending with a minimum mandate of 200k+.
• 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

• Experience with niche Buy-to-Let lending (HMOs, light refurbishments, multi-unit properties).
• Knowledge of Second Charge lending.
• CeMAP qualification.

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.

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.