HML. The ability in financial outsourcing

"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."

“Having been a client for several years, HML have had a very positive influence on the continued success of our business. This has included flexibility over team structure and communication lines. Our IT has improved with an enhanced auto dialler capability, integrated debit card system and Jade redevelopment to include commercial mortgage functionality. By making significant efforts in staff training and strengthening our senior management team, we have seen big improvements to call quality scores. In addition, the recent quarterly Governance Meeting underlined the constructive approach we now share with HML’s management in working towards aligned commercial goals. HML is a key strategic partner and we believe that there is a genuine two-way commitment to developing our business relationship for mutual benefit.”

"We have had a longstanding relationship with HML which has been based upon their ongoing commitment to fulfil our changing needs in a challenging mortgage environment. With their commitment to investing in people, technology and client relationships, HML is a true partner to organisations looking to outsource some or all of their operations. Beyond this, and in the spirit of a true partnership, HML is considered by Oakwood to be a strategic partner rather than a supplier."

"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."

"We started working with HML in 2009 following the integration with SMS, who have been our servicing partner since 2005. We have been really impressed with the people, processes and infrastructure, and the obvious investment HML has made on all fronts. We hope to see the SMS proposition truly being integrated with HML's and that it will enhance the offering to clients of both companies. Delivering quality is clearly of paramount importance at HML and we are looking forward to working together now and in the future."

"GMAC RFC is changing its strategy to create an international Asset Management Company, whereby it will manage over £16bn of mortgage assets across four servicing platforms in the UK, Netherlands, Germany and Spain. The focus will be on preserving value and quality and marketability of these assets. To achieve this we need to have partnerships in place with a shared vision of quality, which is why we continue to work with HML as a key strategic business partner".

"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 dilligence 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 on the value we have been able to achieve."

"Experienced forward-thinking leadership focusing on growth and process efficiency."

"Strong IT and Reporting systems."

"From our analysis, it is evident that HML has the resources in terms of people, systems, and premises to enable it to manage its growth targets, without compromising service."

"Continued investment in technology and implementation of various enhancements resulting in numerous process efficiencies particularly around contact centres."