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

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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)

We manage a range of loan types on behalf of lenders and investors across both performing and non-performing 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)

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)

Agency Report date Review year Current ratings

Fitch February 2014 2014 Residential Primary: RPS3+ Prime UK

2014 RPS3+ Sub-Prime UK

Residential Special: RSS3+ UK

Commercial: CPS3+ UK Small Loans CSS3+ UK Small Loans

S&P July 2014 Residential Loan

Servicer Above average / Stable outlook Residential loan special servicer Above average / Stable outlook Commercial Loan Servicer Above Average / Stable outlook Commercial loan special servicer Average / Stable outlook

Our Ratings

Quotes from Standard and Poors

CMS has

experienced

management

and staff

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 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

(7)

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 www.euristix.com.

For more information about our technology and how we can help your business contact a member of our Mortgage Services team.

(8)

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. 00912411) 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).

For more information on our range of services

please visit www.capitamortgageservices.co.uk

DS14155

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)7824 386 005

e: godfrey.blight@capitamortgageservices.co.uk

Mark Webster

Business Development Director

m: +44 (0)7584 102 528

e: mark.webster@capitamortgageservices.co.uk

Sarah Green

Business Development Manager

m: +44 (0)7714 475 427

References

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