HML. Homeloan Management Ltd

REDUCING RISK AND READYING YOU FOR THE RECOVERY

As the market begins to recover, HML can manage your books on a ‘tick-over’ basis so you’ll have the flexibility to respond and seize the opportunities without the need to increase staff levels or invest in systems. What’s more, partnering with HML for your outsourced mortgage, loans and savings administration will help you reduce your fixed costs and operate within a variable cost model for improved responsiveness.

A SWIFTER WAY TO SEIZE MARKET OPPORTUNITIES 

Restructuring your mortgage, loans or savings product range is a necessary but protracted process that demands time and cost. HML can help you launch new products on a single system without having to consolidate your legacy systems, enabling you to introduce or re-introduce products to market quicker and more efficiently. 

TACKLE THE CHALLENGE OF MANAGING MULTIPLE LEGACY SYSTEMS

If you’ve got recent portfolio or asset purchases that either don’t fit within your business model or sit on different IT platforms, you can outsource the management of these assets to HML. We’ll manage them on our own servicing platform, leaving you to refocus on your preferred operating model.

Talk to us today about our ‘Champion-Challlenger’ trial exercise.

LOWER THE RISK AND COST OF YOUR LENDING BOOK

HML is ideally placed to take over the administration of your UK book. This will enable you to replace fixed costs with variable cost as well as freeing up your resource to focus on core services and territories. As the market begins to recover, we’ll ensure you’ve got the flexibility to re-enter the market quickly and without incurring any of the fixed costs associated with systems, people and premises.  

REDUCE RISK WITHOUT COMPROMISING ON YOUR MUTUAL PRINCIPLES

HML can help you respond quickly to market demands by introducing new products without increasing your headcount. You’ll save time and associated costs of training existing staff on new products, freeing them up to focus on your core activities. With a servicing platform that’s perfectly placed to serve the needs of the building society sector, partnering with HML will ensure all of your compliance and products are in safe hands.

TACKLE THE CHALLENGE OF MANAGING MULTIPLE LEGACY SYSTEMS

If you’ve got recent portfolio or asset purchases that either don’t fit within your business model or sit on different IT platforms, you can outsource the management of these assets to HML. We’ll manage them on our own servicing platform, leaving you to refocus on your preferred operating model.

Talk to us today about our ‘Champion-Challlenger’ trial exercise.

OUTSOURCING ON YOUR DOORSTEP 

With outsourcing a relatively new business model in Ireland, where lenders have typically retained their full operational capabilities in-house, HML has continued to buck the trend with an existing presence in the Irish market. We’re focussed on turning outsourcing into more than just a cost effective solution, but one that enables Ireland’s financial institutions to enhance the quality of their IT platforms, processes, collections, arrears management and service delivery. 

 INCREASE CAPABILITY NOT COST 

Contact with your customers increases and decreases almost daily, and having the right level of service is a tricky balance to strike. It can also lead to fixed costs that are difficult to manage. By partnering with HML, you can outsource credit management overspill to a specialist as a variable cost without incurring costly recruitment and training expenses. 

LOW RISK FINANCIAL SERVICES OFFERING

HML can provide you with all the required systems, processes and people to launch, maintain and monitor mortgage, savings and loan products as a fully branded service. We work alongside retail partners to provide a low risk route into financial services without incurring significant capital investment.