HMS
HMS (Hampton Mortgage Servicing Limited) is a boutique UK loan servicing firm specialising in complex portfolios including shared equity, bridging, and commercial real estate loans, serving specialist banks, investment funds, housebuilders, and fintechs as a B2B third-party servicer.
- Company typePrivate
- Founded2013
- HeadquartersFarnham, United Kingdom
- Headcount1–10
- GTM typeB2B
- OfferingServices
What HMS does
HMS (Hampton Mortgage Servicing Limited) is a boutique UK loan servicing firm founded in 2013 and headquartered in Farnham, Surrey, operating as part of the QSix Group. The company specialises in servicing complex loan portfolios, including shared equity mortgages, second-charge mortgages, bridging and development finance, commercial real estate loans, and the Rezide Equity Loan product. Its primary client base comprises specialist banks, investment funds, bridging and development lenders, blue-chip UK housebuilders, and fintechs—an enterprise field sales motion targeting B2B counterparties rather than end consumers.
HMS operates a proprietary loan management and reporting platform centred on the Exposure+ Analytics Platform, which delivers real-time portfolio analytics and data visualisation. The technology stack includes automated personalised borrower communications, direct debit payment processing via GoCardless, and a three-tier standby servicing offering (Cold/Warm/Hot) for securitisation contingency arrangements. The firm is FCA-authorised (FRN 710290) and ICO-registered.
The revenue model combines recurring subscription fees (e.g., £5/month per account management) with transaction-based administrative fees (redemption, deed of postponement, property letting, CHAPS, valuation) and professional services from debt purchase advisory. Headcount is small (1-10 per primary source, though one secondary source cites 15+), and the firm's geographic scope is exclusively UK. Notable client mandates include an exclusive arrangement with FTSE 250 housebuilder Redrow Homes PLC and CBILS loan servicing for Brydg Capital Limited.
HMS firmographics
Firmographics- Name
- HMS
- Legal name
- Hampton Mortgage Servicing Limited
- Website
- https://hamptonmortgages.com
- Company type
- Private
- Founded year
- 2013
- Operating status
- Operating
- Headcount range
- 1–10 employees
- Short description
- HMS (Hampton Mortgage Servicing Limited) is a boutique UK loan servicing firm specialising in complex portfolios including shared equity, bridging, and commercial real estate loans, serving specialist banks, investment funds, housebuilders, and fintechs as a B2B third-party servicer.
- Ownership category
- akta.pro rank
HMS industry classification
Industry- Product category
- Loan Servicing
- SIC
- Mortgage Bankers & Loan Correspondents (6162)
- akta.pro primary industry
- Master Servicing (Private-Label/MBS Oversight & Investor Reporting) (FSALAEAE)
- akta.pro secondary industry
- Commercial Mortgage Servicing & Asset Management (Master/Special) (FSALADAJ)
Keywords
Where HMS is headquartered
LocationHeadquarters
- HQ city
- Farnham
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
HMS business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure
Revenue model
- Loan Servicing Fees: HMS generates revenue by charging fees for loan servicing activities including account management, payment collection, redemption statements, and administrative services. Fees are charged on a recurring basis (monthly account management fees) and as one-time charges for specific transactions (redemption, property letting, deeds).
- Transaction-based Administrative Fees: One-time fees charged for specific loan events and administrative actions including redemption fees, deed of postponement fees, valuation coordination, and bank transfers.
- Debt Purchase Services: HMS provides debt purchase advisory services as part of a group with experience in advising on the purchase of asset-backed real estate portfolios, including both performing and non-performing loans.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Rezide Equity Loan Account Management - £5.00 per month |
| Unit Pricing | Pay-as-you-go | Deed of Postponement - £115.00 |
| Unit Pricing | Pay-as-you-go | Property Letting Consent - £90.00 |
| Unit Pricing | Pay-as-you-go | Redemption Fee - £200.00 |
| Unit Pricing | Pay-as-you-go | Bank Transfer (CHAPS) Fee - £30.00 |
| Unit Pricing | Pay-as-you-go | Valuation Fee - Up to £50 plus Valuer's costs |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels3 records
HMS product offering
Product offeringCore offering
HMS is a boutique UK-based asset servicing platform dedicated to servicing loans within the real estate sector. The company offers residential mortgage servicing (primary and special servicing), standby servicing, debt purchase advisory, and portfolio audit services to lenders, banks, investment funds, housebuilders, and fintechs. HMS uses a proprietary loan management and reporting platform with Exposure+ analytics to provide real-time portfolio performance monitoring and automated borrower communications.
Product overview
HMS is a specialist loan servicing platform providing a suite of interconnected services for the real estate finance sector. The core offering consists of Residential Mortgage Servicing (primary and special servicing with loan administration and reporting), Standby Servicing (business continuity tiers), Debt Purchase advisory, and Portfolio Audit services. HMS also services the Rezide Equity Loan product and offers an Exposure+ Analytics Platform for real-time portfolio performance monitoring. The platform is part of QSix Group and operates with institutional-quality infrastructure while maintaining flexible, technology-led approach to customer engagement.
Differentiator
Problem solved
Functional benefit
Brands
- Rezide: A new-build home equity loan product for which HMS serves as administrator and servicer.
Products and services
- Residential Mortgage Servicing Technology-led primary and special servicing for residential mortgage portfolios, including loan administration, payment collection, statement provision, arrears management, and portfolio-level reporting with real-time analytics. Targeted at lenders, housebuilders, investment funds, and fintechs in the UK real estate sector.
- Standby Servicing
Quantifiable outcome
- Supporting over 200 families across Waverley within 12 months through Home-Start initiative sponsorship
- +1 more outcomes
Companies that use HMS
Customer profileNamed customers3 records
Segments5 records
Ideal customer profiles5 records
HMS technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration1 record
Feature3 records
HMS partnerships and signals
Strategic signalPartnerships
One partnership is on record.
- Brydg Capital LimitedcoreHMS was appointed by Brydg Capital Limited, an accredited CBILS lender by the British Business Bank, to service its Coronavirus Business Interruption Loan Scheme loans. Brydg Capital is an existing client of HMS, with HMS also continuing to manage their existing bridging and development loans.
Scale indicators4 records
Recent moves7 records
Expansion highlights5 records
HMS competitors and assessment
Company assessmentBroad incumbents
- Computershare Loan Services: Global incumbent providing mortgage and loan servicing at scale across multiple jurisdictions, including the UK. Overlaps with HMS in primary and special servicing for institutional lenders but operates as part of a much broader corporate services portfolio.
- Pepper Money UK: UK specialist lender and servicer of complex, non-conforming, and bridging mortgage portfolios. Comparable to HMS in the special-servicing niche and target customer base of specialist lenders, though with substantially larger scale.
- Equiniti (EQ Group): UK-based financial administration and loan services business with broad capabilities in mortgage servicing, asset management, and corporate trust. Overlaps with HMS in third-party loan servicing for institutional clients but at materially larger scale.
- Shawbrook Bank: UK specialist challenger bank focused on bridging, development, and specialist residential mortgages with in-house servicing capabilities. Comparable to HMS' bridging/development lender client segment and shared equity specialism.
- Together Money: UK specialist lender and servicer of complex residential, bridging, and development finance. Overlaps with HMS in servicing for non-standard mortgage portfolios and shares customer profile of specialist lenders and brokers.
Direct peers
- Wayhome: UK home equity loan provider offering shared ownership and equity loan products. Directly comparable to HMS' Rezide Equity Loan mandate as both operate in the new-build equity loan space and require specialist shared equity servicing infrastructure.
- Castle Trust (part of Augmentum Fintech / ATRL): UK specialist provider of equity loan products for property purchasers with own servicing platform. Highly comparable to HMS' Rezide Equity Loan business and shared equity special servicing heritage.
- Target Home Loans: UK specialist mortgage servicing company providing primary and special servicing for complex and niche mortgage portfolios. Directly comparable to HMS given its focus on third-party loan administration for lenders and investors across specialist residential and buy-to-let segments.
- Phoebus Software: UK-based mortgage and loan servicing platform provider serving specialist lenders, bridging financiers, and building societies. Closely comparable to HMS' technology-led servicing approach and overlapping customer base in the UK specialist lending market.
- Aldemore Capital (Aldemore): UK specialist mortgage provider and servicer focused on complex buy-to-let and specialist residential portfolios. Comparable to HMS in the niche UK servicing market with overlapping lender and investor clients.
Market position
Strengths1 record
Weaknesses1 record
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
HMS social profiles
Digital presenceHMS compliance and trust
Trust signalCompliance3 records
HMS financial estimates
Financial estimateRevenue estimate
Valuation estimate
HMS leadership team
Management profileNumber of profiles
Profiles6 records
HMS funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
HMS M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about HMS
What does HMS do?
HMS is a boutique UK-based asset servicing platform dedicated to servicing loans within the real estate sector. The company offers residential mortgage servicing (primary and special servicing), standby servicing, debt purchase advisory, and portfolio audit services to lenders, banks, investment funds, housebuilders, and fintechs. HMS uses a proprietary loan management and reporting platform with Exposure+ analytics to provide real-time portfolio performance monitoring and automated borrower communications.
Is HMS a public or private company?
HMS is a private company. It is classified as corporate owned and is currently operating.
When was HMS founded?
HMS was founded in 2013. It employs 1 to 10 people.
Where is HMS based?
HMS is headquartered in Farnham, United Kingdom, in the Europe region.
How does HMS make money?
Three revenue lines are on record. Loan Servicing Fees are the primary driver. The others are transaction-based Administrative Fees and debt Purchase Services.
Who are HMS's main competitors?
Broad incumbents on record are Computershare Loan Services, Pepper Money UK, Equiniti (EQ Group), Shawbrook Bank and Together Money. Direct peers are Wayhome, Castle Trust (part of Augmentum Fintech / ATRL), Target Home Loans, Phoebus Software and Aldemore Capital (Aldemore).
Does HMS have an API?
No public API is recorded for HMS.
What industry is HMS in?
HMS's product category is Loan Servicing. Its primary akta.pro industry code is FSALAEAE, Master Servicing (Private-Label/MBS Oversight & Investor Reporting), with a secondary code of FSALADAJ, Commercial Mortgage Servicing & Asset Management (Master/Special). Its SIC code is 6162.