Jason Frost

The Northview Group

The Northview Group - Smarter mortgage solutions Northview was formed in 2015 through the acquisition of Kensington Mortgages and Acenden. The Group now comprises the largest non-bank mortgage lender in the UK with a book of over £5B (Kensington), and a proprietary servicing platform that manages around £6B assets for third parties (Acenden). Kensington targets prime mortgage borrowers in growing market segments – such as the self-employed, contract workers and individuals with multiple incomes. Our use of data, combined with human expertise, means we are comfortable lending to a broader range of people than other lenders. We are one of the largest issuers of RMBS in the UK with 12 securitisations totalling over £7B since 2015. And these funds are used to support customers with an average income of £58k and an average property value of £246k. Data and analytics embedded in our DNA As a technology-enabled lender, the business has market-leading analytic capabilities embedded into all phases of the mortgage lifecycle. This is driven by VECTOR, our proprietary and hugely powerful mortgage model, which is supported by a unique dataset comprising over 400k mortgage accounts, spanning all UK geographies, housing types, mortgage types and credit parameters for the last 20 years. Vector has driven the development of a number of in-house tools that are key to our ability to assess and manage mortgage credit risk.