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Based in Skipton, North Yorkshire, HML is the UK’s leading third-party mortgage administration company, with over 40 clients and £50 billion worth of assets under management. It is home to 2,000 employees at four sites.  This is the story of HML’s journey of the last five years written by HML’s head of Organisational Development – it will stimulate ideas, thoughts and questions. It is an excerpt from a new Gower Handbook.