Core Competencies - HML

By: Homeloan Management  05/12/2011


Our core competencies enable us to deliver the superior level of service today’s customers demand and our clients trust and invest in. They play a key role in how we operate as a business and are the cornerstones around which our quest for quality and continuous improvement is based.


The customer experience you strive for and your customers expect, means that we tailor processes so they reflect your values and standards. Operational design is crucial in today’s market and our secret to delivering it successfully starts with identifying what your desired customer experience looks and feels like, then working backwards, we create the processes to deliver it. 


HML has developed a culture founded on continuous improvement that cares for our clients and their customers. That's because HML people are carefully selected for their professional attributes and determined attitude. We're passionate about operating a right first time business that starts and ends with the customer experience. Through rigorous ongoing training and the deployment of specialist skills, we ensure every one of our employees is ready for this challenge. 


When it comes to technology, you want the peace of mind that functionality and flexibility can provide. We process hundreds of thousands of customer transactions a day as part of the various activities we carry out on the accounts we manage. And of course the security, reliability and stability of our technology is critical to maintaining a smooth and efficient service for our clients and their customers.


Having the right information at the right time helps you make better informed decisions. With the largest commercially available data pool of live residential mortgages in the industry, our MI and analytics capability is second to none. Insight on account and portfolio level performance, including arrears, attrition and repossession forecasts is at our fingertips and enables our clients to make confident and effective decisions.


Today's customers are increasingly demanding to access services when and where it suits them. Our automated telephony and online services enable them to do just that. Through cost efficient and secure solutions your customers are able to access their accounts and complete transactions, including payments, transfers or balance checks.


If you make a strategic decision to outsource, you need to be confident your data will not be compromised in the process. Our approach is tried and tested because we've seamlessly migrated customers from one owner to another on more than 200 occasions.


When complex financial regulations change or new ones come into effect, we’re ready to make the necessary adjustments to our operation. This helps your business be compliant with any legislative or regulatory changes and you can rest assured you’re dealing with a fully authorised FSA regulated entity.

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Other products and services from Homeloan Management


Case Studies - HML

The building society already worked with another servicing partner, but as is the case with over 45 UK and Irish lenders, the assets were already under management on the HML system. One of the UK’s top five building societies was looking to purchase a book of mortgage assets from another lender within a tight timeframe. We’ve completed 90 asset transfers in recent years, with a 100% success rate, so all parties involved had a high degree.


Asset Trading - HML

Whatever assets you’re buying, selling or transferring, whether it’s a securitised mortgage or loan portfolio, HML can ensure your balance sheet movements happen as efficiently and expediently as possible. If you want a clearer picture of the assets you’re buying, then HML’s unique and detailed analytics capability will give you the insight you need.


Business Intelligence - HML

In addition to our core Basel II, arrears management and reporting capabilities we have added client facing data mining and reporting tools in recent years, including the Mortgage Investor Report and the Arrangement To Pay Insight, providing our clients with the capability to report on demand. Data interrogation and insight is a key strength of our proposition and has become a must-have component of our clients’ service expectations.


Bureau Services - HML

Quite simply we’ll make our core processing platform available to you, so that your customers’ mortgage accounts are handled by your people in your offices using our systems. HML’s bureau service enables your business to enhance the way it manages customer mortgages. Trust HML - the ability in financial outsourcing - to make managing mortgages easier.