Ireland

Overview

HML has been actively servicing Irish mortgages since 2004, including the management of loans in arrears. This experience has shaped our approach to the day-to-day administration of accounts, and as such we have developed a deep understanding of the problems facing borrowers and created compliant arrears support solutions. Because of this, we understand the need to protect our clients from reputational risk and our rigorous risk governance framework ensures that borrowers are treated fairly.

All our agents have a detailed understanding of CCMA and CPC regulations, and our contact centre can be scaled up or down to meet your requirements, with a maximum capacity of 600.

From outsourced services and standby solutions to detailed reporting and analytics, we offer powerful support for lenders in the Irish market right now.

Features
  • Experienced arrears executives
  • Contractual governance framework
  • Dedicated Account Manager
  • Training and Competency scheme tailored to the Irish mortgage market
  • Standard Financial Statement (SFS) administration
  • Detailed reporting on Right Party Connect rates, Cash Collector scores, Arrangements to Pay (ATPs), Promises to Pay (PTPs)
  • Using our Portfolio Optimisation capability, we can identify and contact customers at risk of being reported to the ICB in the event of a mortgage rate change
  • Tax Relief at Source (TRS) administration
  • Post-completion administrative services (account closure, insurance & deeds, payments, mortgage administration)
  • Scale to increase capacity to seamlessly handle an increase in demand
Benefits
  • Performance Based Pricing. Ask us about our ‘Champion Challenge’ to see how our costs and performance compares to your existing solution
  • Governance structure provides mechanism to evidence regulatory oversight on HML.
  • Monitor our partnership. Data collection and reporting to manage your stakeholders, inform your strategy, and demonstrate progress against pre-agreed service levels
  • Flexible pricing structures to suit cost requirements
  • Enhance your arrears support capability
  • Additional trained resource available to manage peaks and troughs in arrears support
  • Protect your brand with fully compliant and white-labelled operations

Want to know more about this proposition?

Call 01756 776729 or contact us online

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Product Options
Additional Post-Completion Services
Additional Post-Completion Services

Additional post-completion services

 
Deeds Management
Deeds Management

HML's Deeds Management service

 
Pre-offer Services
Pre-offer Services
 
Re-offer Service
Re-offer Service
 
Inbound Call & Complaint Management
Inbound Call & Complaint Management
 
Reviews

Our operational capability and white-labelled service can truly add value to your organisation. With over 20 years experience of working in a multi-client environment, we’re skilled at delivering a service that reflects your values and desired customer experience with the benefits of our technology to keep your service at the forefront of the mortgage servicing industry.
For example, we’re able to build client-branded self-service websites so your customers can meet their payment responsibilities online – giving you true multi-channel capability.

 

Mel Smith, Operations Director
HML

One of the best corporate partnerships Macmillan has in Northern Ireland is with HML in Derry.
HML’s staff is motivated and incredible at raising monies.
In overall terms, with all fundraising taken into account HML employees have raised a wonderful €45,000.

 

Macmillan Cancer Support

The partnership between HML and Stravaganza, an inclusive arts project at Cresco Trust has produced a unique exhibition of visual artwork on a theme of equal rights.
All Together Now is a fine body of work worthy of its place on the walls of HML's Pioneer House where it was unveiled for permanent display in January 2009.

 

Cresco