Mortgage & Loan Servicing

We deliver comprehensive loan and mortgage servicing for more consumer and commercial loan products than any other loan servicer in the UK. Transform customer experiences with our comprehensive portfolio of services.

Mortgage Servicing

What is Mortgage Servicing, and Why Target?

A good mortgage servicing system will seamlessly manage the entire loan lifecycle. With our experience and technology, we offer best-in-class loan servicing solutions for a diverse range of products:

  • Residential mortgage servicing
  • Commercial loan servicing
  • Commercial mortgage servicing

Mitigate Risk with Outsourced Loan Servicing Solutions

We help lenders generate and maintain a competitive advantage. Our servicing team will give you the flexibility to diversify your portfolio and grow your product range.

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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 so you can make informed decisions and increase your portfolio value.

Our loan and mortgage 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 Learn more: download the Target loan & mortgage servicing brochure
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Special servicing

We have a strong reputation for special servicing. Seeking positive outcomes for all parties, we manage non-performing loans compassionately and effectively.


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 collection 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.

Loan types we support

  • Residential mortgages
  • Secured loans
  • Commercial mortgages
  • Buy to let mortgages
  • Unsecured loans
  • Motor finance
  • Retail finance
  • Device finance

Our track record demonstrates our ability to provide the highest quality customer service so that you can be confident your portfolio and reputation are being expertly managed.

Removing Operational Barriers

In today’s market, lenders are continuously re-thinking their propositions in order to differentiate themselves from established competition and new market entrants. Whether it be acting as a partner for a closed of originating portfolio, or managing defined processes in the customer life-cycle, working with us will ensure you are free to focus on improving and diversifying your core proposition and driving growth.

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

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

Clients benefitting from Target's outsourced loan servicing solutions

Get in touch now to discover how we can work with you to transform your loan and mortgage servicing system.
Call us on 0845 650 6200