Capita Asset Services provides financial outsourcing services to a wide range of institutional, corporate, financial, fund and private clients worldwide.

1. MortgageServices
Providing endto end loan
servicing solutionstothe
residential and commercial
mortgage market

2. Capita MortgageServices,
partofCapitaAssetServices,
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.
MortgageServices, about us

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
A sampleofour clients

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
reporting system

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.
OurTechnology

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
MortgageServices
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
e: sarah.green@capitamortageservices.co.uk