Loan & Mortgage Servicing

Helping lenders generate and maintain competitive advantage with outsourced servicing

How outsourced loan and mortgage servicing mitigates your risk

We deliver comprehensive loan and mortgage servicing for more consumer and commercial loan products than any other UK servicer, providing you with the flexibility to diversify your portfolio and grow your product range.

Download our latest White Paper on the UK loans and mortgage industry - UK Lending: The drivers of change

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Primary Loan Servicing

While you focus on your core proposition we deliver comprehensive loan servicing to support the full loan lifecycle, from origination, through account servicing to arrears management.

Our experienced loan servicing team will:

  • Mitigate your risk

  • Bring products to market quickly whilst your proposition is relevant

  • Manage your portfolio compliantly ensuring a high standard of customer service

  • Remove operational barriers to growth whilst addressing your regulatory challenges

We will provide in-depth analysis and insightful management information, equipping you to make informed decisions and increase your portfolio value.

Our loan servicing is underpinned by our own innovative lending software. This is developed and managed in house ensuring any changes and enhancements are all fully under our control.

h Target loan & mortgage servicing brochure
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Special servicing


Working in partnership with you our special servicing team will maximise returns on your non-performing portfolios.


We have extensive experience in managing non-performing mortgage accounts and loan books. We offer you a comprehensive portfolio of services, including customer communications, cash management, loss mitigation, shortfall debt recovery and investor reporting services all reflected by our Standard & Poor’s Special Servicer rating.


Our arrears management team employs market leading collections techniques to maximise recoveries. Our senior team has an average of 25 years each working within special servicing.


We’re increasing cure rates and reducing charge-off. We adapt, refine and test strategies to improve your portfolio performance. Our approach focuses on encouraging good behaviours and rehabilitating customers in arrears.

“A well-established business with strong customer service and client engagement underpinned by a robust IT platform.” Standard & Poor’s
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Standby servicing

With the FCA and rating agencies driving change, your resilience and risk mitigation planning are essential.

Our approach to standby servicing provides you with a robust, reliable platform for contingent servicing with a clear plan for invocation. We work with you to gain a detailed understanding of your business and recommend the level of cover dependent on your needs.

We act as standby servicer for several major wholesale banks. Our track record of working with clients who have invoked provides peace of mind to your investors and ratings agencies that we will ensure a smooth invocation.

Read our Central Trust case study

Clients benefitting from Target's outsourced loan servicing solutions

Get in touch now to discover how we can work with you to transform your lending operation. Call us on 0845 650 6200