Your partner through the complete lending journey

At Target Group, we offer comprehensive secured lending solutions designed to meet the needs of both emerging and established financial institutions. Our services are tailored to help you navigate the complexities of the market, ensuring seamless support through every stage of the loan lifecycle, from cradle to grave. 

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Secured lending, simplified
Professional team in meeting around laptop

Secured lending, simplified

Navigating the world of secured lending can be a complex maze, especially in the UK financial services sector. With stringent guidelines from the European Banking Authority (EBA) and rules set by the Financial Conduct Authority (FCA), it's crucial to have a robust governance framework, clear credit risk appetites, and strict anti-money laundering measures in place.

The journey begins with a thorough assessment of borrowers' creditworthiness, enabling informed credit decisions. But that's just the start – continuous monitoring and re-evaluation of internal processes and service delivery are essential to maintain compliance and mitigate risks.

In today's data-driven landscape, technology plays a pivotal role, providing insights and enabling efficient credit granting while managing potential pitfalls like fraud, data quality issues, model performance, and bias prevention.

It's an intricate process, no doubt. But what if you could outsource part of your secured lending operations to a trusted partner with proven regulatory compliance and bank-grade risk management capabilities? 

We understand the complexities of secured lending inside out. Our team of experts have years of experience navigating the regulatory landscape, ensuring your operations run smoothly while adhering to the highest standards.

Fast tracking originations

Fast tracking originations

It’s not the big that eat the small it’s the fast that eat the slow

Klaus Schwab

Executive Chairman of the World Economic Forum

Are you a neo bank, a disruptive challenger or a nimble new market entrant? 

We get it, speed is of the essence. That's why our secured lending solutions can help you capitalise on opportunities and gain an early leader advantage. 

With our FCA-regulated lending permissions and legal title management services, you can accelerate your market entry without the need for extensive resources or expertise. 

Asset classes we support:

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1st Charge Residential Mortgage

Buy-to-Let Mortgage

Ltd Company and Commercial Buy-to-Let Mortgage 

Unsecured Loans

2nd Charge Mortgage Products

Offset Mortgage

Shared Equity

Equity Release

Why choose us?

The Target advantage

We're a leading provider of business process servicing and operational transformation for over 30 top-tier financial institutions globally.

By partnering with us, you can leverage our 'Lender of Record' and origination platform solutions, enabling you to focus on your core offerings while we handle the bureaucracy bit!

You'll also get:

  • Multi award-winning platform

    Most recently we won Mortgage Technology Provider of the Year at the 2024 Money Age Mortgage Awards.

  • FCA-regulated services

    Ensuring compliance and trust. 

  • Strong service level agreements and customer satisfaction

    Delivering reliable and high-quality service. 

  • Proven experience in the industry:

    Leveraging the lessons learned through decades of delivery.

  • Access to global technology and expertise:

    Supporting your growth with cutting-edge solutions. 

In-life servicing

In-life servicing and closed book support

Recoup funds, refocus your resource

Are you an established lender or a Tier 1 or Tier 2 bank struggling with legacy systems, limited resources, or the need to innovate?

We’ve got your back!  Our secured lending solutions can help you boost revenues, reduce disruption, and free up resources to focus on your core offerings or new product development. 

We offer modular loan servicing and payment collection solutions tailored to your specific needs. Our services cover a wide range of asset classes, including those mentioned above, and are backed by our proven expertise, size, and scale. 

Why choose us?

The Target advantage

We serve top tier banks and our leading fintech platform manages assets in excess of £11 billion.

By outsourcing your in-life servicing or closed book management to us, you can recoup funds, refocus your resources, and ensure that your loan portfolios are performing optimally. 

You'll also get:

  • Proven expertise in the industry:

    Ensuring your portfolios are managed by seasoned professionals. 

  • Modular and flexible solutions:

    Customisable to fit your specific needs. 

  • Ability to leverage our technology, people, and processes:

    Enhancing efficiency and effectiveness. 

  • FCA-regulated services:

    Providing peace of mind with compliant operations. 

  • Strong service level agreements and customer satisfaction:

    Guaranteeing high standards of service. 

  • Experts in migration and service transition

    With 18 years experience delivering regulated financial services.

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