Homeloan Management

HML is the UK's foremost provider of systems and process outsourcing solutions to the mortgage sector and is the highest rated UK residential primary servicer as recognised by Fitch, Moody's and Standard & Poor's. HML, formed in 1988, is wholly owned by the Skipton Group and headed by Brian Brodie, CEO, who joined the company in 2007. The benefits HML offers to its clients and its scalable operational platforms have helped achieve dramatic growth over the past ten years. HML has been transformed from a mortgage administration provider handling £5 billion of assets to a major financial outsourcing partner managing around £50 billion of assets, with in-house IT development at the heart of its service. With over 20 years' experience, HML is widely recognised as a company whose key strengths include a diversified client base and enhanced IT. This, supported by its communications and e-technology, allows HML to offer a comprehensive and dynamic range of services you would expect from the market leader. HML supports a variety of sectors including: UK Banks Building Societies Investment Banks Republic of Ireland Supermarkets / Retail Finance Companies Overseas Banks The services offered include: Residential and commercial mortgage servicing Secured loans Data analysis Portfolio trading Securitisation Overspill capacity Standby servicing Having recently united with Scarborough Mortgage Services, the combined skills and systems have provided an enhanced service offering. After establishing itself as the leading mortgage servicer in the UK, HML has adopted a new strategy to move into the broader financial outsourcing market. The plan includes taking HML's existing capabilities and resources and applying the principles to areas within the industry where historically it hasn't operated. Over the last year, through an approved multi-million pound investment, HML has been focusing on making further improvements to service quality by re-engineering its business according to Lean techniques, improving employee engagement, delivering a wider range of services, and enhancing its IT systems. HML also offers a Special Servicing proposition designed to help lenders manage their loan books effectively in the current economic climate. HML uses advanced modelling techniques and performance metrics to really set it apart from other servicers in the market. This has been achieved through the introduction of HML Business Intelligence whose residential mortgage data pool is fast becoming the primary source of mortgage performance metrics for mortgage lenders, asset managers and investment advisers in the UK. HML embraces best practice in relation to supporting borrowers throughout the mortgage lifecycle, which is referenced within a robust compliance framework. HML has the services available to meet the specific requirements of varying client types, whether they are a high street bank, building society, specialist lender or asset trader. HML currently handles assets ranging from non-conforming to prime loans and are experienced at tailoring services to the varying needs of the companies we work with. HML is based in Skipton, North Yorkshire and employs around 2,000 people in Skipton, Padiham, Glasgow, Scarborough and Londonderry. Working with HML can help you make money whilst effectively managing costs, workload and risk. To find out how HML can help your business call 01756 692272 or visit www.hml.co.uk.