About HML

With 25 years' mortgage servicing and third-party administration experience, we pride ourselves on delivering the customer experience you require, whilst providing you with a cost-effective business process outsourcing solution. Find out more

We are also highly rated in the UK for our primary and special services for residential mortgages. Our Fitch RPS1- primary (prime) servicer rating is the highest of any third-party mortgage administration company in the UK and Ireland and our RPS1- primary (sub-prime) rating is the highest in Europe. Find out more


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Business Intelligence

Our service provides a range of predictive analytics products designed to help you better understand your customers' behaviour, allowing you to make the right strategic decisions.

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Standby and Securitisation

Enhance your transaction and risk management structures by utilising the most experienced servicer of securitised portfolios in the UK.

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Mortgage Services

A range of services covering the full mortgage lifecycle from new lending through to administration, credit management, portfolio servicing and asset trading support.

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Commercial Loan Servicing

Building on the long-standing success and reputation in the residential mortgages space, we have established a specialist commercial loan servicing operation that focuses on commercial assets.

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Asset Trading Solutions

If you’re buying, selling or managing mortgage portfolios, your needs are simple. You’ll want to maximise the value of your portfolio and manage it as efficiently as possible.

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Legal Title Management

SMS can handle all mortgage portfolio regulatory issues and conduct risk on your behalf, backed by our expertise and proven track record in the mortgage servicing industry.

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Many trusted financial brands partner with HML to manage their customers' mortgages and loans more effectively.

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