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Business Intelligence

Business Intelligence collects residential mortgage data from retail lenders in the UK and harnesses the predictive power that such a critical mass of data can bring. As each month passes this information gets richer and this pool of data has now become the primary source of performance metrics for mortgage lenders, asset managers and investment advisers throughout the UK.

Business Intelligence isn’t like ordinary analytics providers. It derives metrics from a growing pool of actual live mortgages. This allows us to draw higher quantities of statistically robust information-rich forecasts for our clients.

We’ve got it covered

Our detailed performance analysis covers Prime, Buy to Let, Self Certification and Sub Prime segments of the market and is the cornerstone to our extensive range of cutting-edge scorecards and wider service range. These include:

  • Loss and default forecasting
  • Benchmarking
  • Application scorecard development
  • Attrition modelling
  • Profitability modelling
  • Arrears management services and software

Business Intelligence’s main ability is the production of key predictive default and loss metrics, which our clients feed straight into their risk management processes and controls. Knowing where the risks and rewards lie in their portfolio gives them the advantage they need to stay ahead in an increasingly competitive and evolving market. HML has all the relevant analytics and modelling tools you’ll need in order to enhance your understanding of your portfolio risk and to determine the best strategy to employ.

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