Testimonials
HERE'S WHAT OUR CLIENTS SAY ABOUT US
We have worked closely with HML over a number of years. Our relationship is on a bureau basis, so our staff access HML's mortgage administration system from within our own offices in Hampshire. We have successfully used the system to build and manage £6.5bn of residential, buy-to-let and commercial loans. In the current market, when the focus is very much on arrears management, HML has proven to be a valuable strategic partner as we seek to enhance the way we manage our customers who are experiencing difficulty with their mortgage payments.
HML were a valuable strategic partner to National Australia Group Europe (NAGE) to support our broker loan origination, packaging and underwriter referrals. Over the 4 years we worked with them they provided an exceptional quality service through highly-skilled experienced personnel working with market-leading technology. HML’s approach to managing varying volumes was first class and NAGE benefitted from a flexible and variable costing model. When we decided to change our processing model HML supported a smooth transition to ensure optimum business delivery was still achieved.
The thing that has impressed me about HML over the last two years is how much effort they have put in to improving their service to us as a client. They have developed a strong culture that strives to combine quality, continuous improvement and hard work. We have seen our arrears performance improve with the help of HML's efforts and we are pleased to have them working alongside us
Our objective is simple - we are trying to create value from the UK mortgage market. We have bought and sold mortgage portfolios and with HML's help we have been able to enhance the performance of the loans to realise significant increases in value. HML has helped us with due diligence on the portfolio, provision of legal title via one of their group companies, and advanced collections activity via their special servicing platform. The benefit of working with HML is that they are experts in this industry and have years of experience. Their capability is second to none and has made a significant improvement to the value we have been able to achieve.
We have worked with HML since 2002 to support our asset acquisition strategy and to manage the performance of acquired loan portfolios following the trade. Through their excellent standard of servicing and collections HML made a significant contribution to the quality and value of our portfolios and enabled us to achieve our strategic aim of a transfer to in-house, fully supporting us and providing a clear, robust and effective transition programme.
HERE'S WHAT THE RATING AGENCIES SAY ABOUT US
Continued investment in technology and implementation of various enhancements resulting in numerous process efficiencies particularly around contact centres.
Diversification of its business remains a corporate goal to protect its income stream from being overly reliant on one servicing market. We consider diversification as generally positive provided the servicer has the operational capability to handle the requirements of the diversification. Based on our review, we think that HML has these capabilities.
The launch of Start was an industry milestone because we were the first lender in Ireland to commit ourselves exclusively to the non-conforming sector. We knew that by entrusting our mortgage administration to HML we could come to market quickly and without huge initial capital investment in back office and support systems. Since then we continue to benefit from HML's extensive expertise and enviable reputation in providing high quality, flexible outsourced mortgage administration services, especially for securitised mortgage portfolios. As a result, we have been able to establish a large asset base within a relatively short space of time, which would not have been possible without the help of HML.