Do you have a loan or mortgage serviced by HMS? Please visit our Customer Hub.


We work with a diverse range of clients to support their loan servicing and administration needs for both newly originated loans and secondary market loan portfolios.

Specialist banks and building societies

We can support specialist banks, private banks and building societies in different ways, from providing a fully outsourced white label service through to servicing funding SPVs, or simply arrears management on delinquent loan portfolios.

Investment funds

HMS was initially launched to assist with the servicing of complex loan instruments on behalf of an institutional private debt manager. Today, we assist with the servicing of loans on behalf of real estate debt fund managers and some of the UK’s largest REITs.

The HMS management team have been involved in the structuring and launch of different fund management businesses and are always happy to provide guidance to new and emerging fund managers on their servicing capabilities.

Bridging and development lenders

As the bridging/development market grows at a considerable pace, we are keen to be at the forefront of the industry’s evolving servicing needs.

In addition to helping with servicing their borrower clients, we also work with bridge lenders to assist with their fund needs by providing the portfolio transparency required by banks and other institutional investors, via our loan administration platform.

Housebuilders and land developers

The HMS team has built a reputation for supporting many of the UK’s blue-chip housebuilders with the servicing of their (pre-Help to Buy) shared equity mortgage portfolios.

With many of these portfolios now entering their final term, the experience and specialism of our special servicing team adds significant value to our housebuilder clients, allowing them to realise their investment and release capital to support their housebuilding objectives.


As a tech-focused firm, we are always keen to embrace new businesses disrupting established business models through technology – specifically those disintermediating the real estate lending market.

We have worked with FinTechs offering short term bridging/development finance, as well as those with long-dated mortgage portfolios offering Shared Equity Mortgage origination, and can support P2P lenders.

Our servicing models

Whether you are transitioning across from your incumbent servicer or considering outsourcing servicing for the first time, as a boutique provider of loan servicing in the UK, our nimble and flexible approach means we’re able to find a solution that works for you. Some of our operating models include:

Fully outsourced

We become the counterparty to your borrowers and act in the capacity of primary and special servicer (if required).

White-labelled platform

We are an integrated extension of your business.

Primary servicing only

With the management of delinquent and defaulted loans reverting to your control.


We take on certain components of your servicing.