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About us

We are an experienced provider of loan servicing to the residential mortgage and commercial real estate sectors, in addition to providing debt recovery services to unsecured loan portfolios.

Our highly experienced team provides institutional-quality infrastructure to a diverse range of clients, whilst still retaining the flexible approach and entrepreneurial spirit of a boutique firm.

With a technology-first approach and focus on bespoke customer engagement, our approach to loan servicing is a bit different from the rest.

Customer-centric focus

We assist you with your servicing needs, allowing you to focus on your core business objectives.

Institutionalised infrastructure

We operate a robust loan management and proprietary reporting platform.

Highly experienced team

Our primary and special servicing team have over 40 years experience.

Flexible approach

We have developed a number of operating models that mean we can be agile to meet your requirements and seamlessly integrate into your business systems.

‘Pure play’ no-conflict servicing

We are focused exclusively on loan servicing and don’t originate new loans.

Trusted and personable

As a smaller, independent high-touch servicer, no matter how large or small your lending business is, we offer a personalised and proactive experience for your customers and clients.

Our history

HMS was founded in 2014 to provide high-quality loan servicing to niche residential mortgage portfolios containing complex underlying loans. Initially this was Shared Equity Mortgage (SEM) portfolios which had been purchased by third-party investors on the secondary market.

In 2016, with second charge mortgages coming under the remit of the FCA, HMS took on work with clients (most notably blue-chip UK housebuilders) affected by the new regulations.

Since then we have significantly diversified – with a focus towards loan servicing for clients with new specialist residential loans as well as commercial real estate lenders.

A guide to loan servicing

Download our PDF guide on loan servicing in bridging, as featured in Bridging & Commercial Magazine. Find out why this third-party option, aimed at bolstering lenders’ infrastructures and streamlining operations, deserves a closer look.