Mortgage Services. Providing end to end loan servicing solutions to the residential and commercial mortgage market

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Nathan Francis
8 years ago
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1 Mortgage Services Providing end to end loan servicing solutions to the residential and commercial mortgage market

2 Capita Mortgage Services, part of Capita Asset Services, Europe s largest independent loan servicer

3 Mortgage Services, about us We manage a range of loan types on behalf of lenders and investors across both performing and nonperforming assets. We have a dedicated, experienced team spanning over 40 years of managing residential mortgages (including Buy-to-let and Lifetime products) and small balance commercial mortgages for consumers and SMEs across a range of asset classes. Our main objective is to achieve the best outcomes for all our clients, to lighten the regulatory burden, Treat Customers Fairly (TCF) and provide a first class customer experience. Our range of services include: Primary Servicing Master Servicing Standby (Back-Up) Servicing Due Diligence and Portfolio Services Loan Origination and Underwriting Facility Agent Account Management Arrears Management We work with financial institutions such as high street banks, building societies, insurance companies, investment funds and other lenders to service their loan portfolios.

4 A sample of our clients Following the successful launch of the product, Capita has been pro-active and diligent in its administration of our portfolio. Our relationship started in 2012, before Crown was acquired by Capita. The implementation and launch of the Retirement Mortgage product brought with it some unique issues, which Capita grasped quickly and resolved effectively. We were also impressed by Capita s focus on treating customers fairly, which was a key part of our selection criteria. Deian Jones, Managing Director - Hodge Lifetime Our Key Clients Royal Bank of Scotland - Since 1997 J.P. Morgan Since March 2003 Lapithus Since Feb 2008 ITL Mortgages - Since June 2012 Hodge - Since August 2013 CAF Bank Since August 2014 Standby Clients West Bromwich Building Society Since Oct 2011 Skipton Building Society Since Feb 2012 Masthaven Secured Finance Ltd Since Apr 2014 Aldermore Bank plc Since Apr 2014

5 Since boarding, ITL Mortgages has been impressed with the customer service ethos and delivery from Capita. This is due to the people at Capita who, without exception, have been extremely professional and committed in their dealing with ITL people and creating a working relationship that is enjoyed by both parties. Another impressive part of the delivery is the information provided both in terms of MI for the whole book and for individual case information. ITL has high reputational standards and is always nervous about engaging third parties, but having worked with Capita for over 12 months now, we are pleased to say that those concerns have been allayed. Nigel Wood, Head of Lending - Coventry Building Society

6 Our Ratings Agency Report date Review year Current ratings Fitch February Residential Primary: RPS3+ Prime UK 2014 RPS3+ Sub-Prime UK Residential Special: Commercial: RSS3+ UK CPS3+ UK Small Loans CSS3+ UK Small Loans S&P July 2014 Residential Loan Servicer Residential loan special servicer Commercial Loan Servicer Commercial loan special servicer Above average / Stable outlook Above average / Stable outlook Above Average / Stable outlook Average / Stable outlook CMS has continued to review and improve procedures and tools In our opinion, CMS has been very proactive in analyzing its portfolio and making recommendations to clients to help them improve their position CMS has experienced management and staff CMS successfully prepared for the Mortgage Market Review (MMR) The ongoing development of the IT systems, DR plan and security provides CMS with the appropriate resources to operate effectively and also to provide clients with a flexible and secure reporting system Quotes from Standard and Poors

7 Our Technology At Capita Mortgage Services we have developed innovative origination technology and servicing platforms to support the varying needs of our clients. Our loan origination software allows us to work with clients to provide an individual solution every time. Whilst our servicing system is based on an industry leading platform, our dedicated in-house developers have greatly enhanced the standard offering to increase integration and automation of current processes. Our core servicing platform allows us to manage on our clients behalf the complete lifecycle of a loan from completion to redemption. Our internal development team continue to enhance and upgrade the functionality to reflect the changing requirements of the market and our clients. Our originations platform is a web based system that offers a fast, low cost and fully compliant end-to-end solution for clients looking to originate new mortgage loans in the UK market. Our in-house development capability allows for immediate reaction to changing market conditions and our clients business needs. We also offer our clients a specialist analytics and risk management solutions via the team at Capita Analytics, which sits within the Debt and Banking division of Capita Asset Services. Capita Analytics can offer analytical and data capability combined with a practical approach to building a sustainable working solution. Through top-down portfolio insight and bottom-up account level analysis they provide visibility of issues and value opportunities. For more information about Capita Analytics visit For more information about our technology and how we can help your business contact a member of our Mortgage Services team.

8 Mortgage Services Servicing solutions built and developed around your customers Ipswich Office Crown House, Crown Street, Ipswich, Suffolk, IP1 3HS Godfrey Blight Director m: +44 (0) e: Mark Webster Business Development Director m: +44 (0) e: Sarah Green Business Development Manager m: +44 (0) e: For more information on our range of services please visit Capita Mortgage Services is part of Capita Asset Services which is a division of Capita plc and a trading name of the companies in the division that provide corporate, treasury, debt, banking, shareholder, fund and private client solutions. Mortgage services are provided by Capita Mortgage Services Limited registered in England and Wales (No ) and with its registered office at 17 Rochester Row, London SW1P 1QT. The Company is authorised and regulated by the Financial Conduct Authority (FCA register number 3062). DS14155

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