1.8 million fixed-rate mortgages expire this year. Your caseload has gone up. Your back office hasn't. We build the systems that handle the admin — so you can focus on the advice.
A new enquiry lands. You start an email thread. You request payslips, bank statements, proof of address — each one a separate message. By the time you reach DIP, you've got twenty attachments and no clean view of where the case stands.
Decision in Principle letters, Key Facts Illustrations, suitability letters — each one manually assembled from client data you've already captured somewhere else. It's the same information, reproduced six different ways, by hand.
The FCA's 2026 priorities are explicit: firms need demonstrable outcome testing, quality assurance frameworks and audit trails that prove good consumer outcomes at every stage. Spreadsheets and email don't constitute a compliance record.
Outstanding documents. Missing bank statements. The client who hasn't responded in a week. Every follow-up is a manual task — a WhatsApp, a call, an email — and none of it is logged anywhere that matters.
Four things, built properly. Each one solves a specific part of the mortgage broker back office — not a generic CRM template dropped in with minimal configuration.
Monday.com configured around your actual pipeline: Enquiry → AIP → DIP → Full Application → Offer → Completion. Every case visible at a glance — status, outstanding documents, lender, next action, procuration fee. Not a sales CRM bolted onto your workflow. A mortgage CRM built from the ground up.
Decision in Principle letters, KFIs, ESIS documents, suitability letters, offer summaries — generated automatically from your CRM data via Make.com. What takes 25 minutes per case takes 90 seconds. Every document versioned, timestamped and logged — which is exactly what the FCA's Consumer Duty outcome testing framework requires.
WhatsApp sequences that request outstanding documents, send case progress updates, and follow up on non-responses — triggered automatically by CRM status changes, not by you. Clients feel looked after at every stage. You're not the one doing it. Every message logged to the case record.
Affordability calculators, rate comparison tools and stamp duty estimators — built to your brand and embedded on your website. Your clients use them. You capture the lead. We build the tools once; they work indefinitely. These are the same tools we embed as demos on this page — the ones below are live.
This is what the mortgage case journey looks like with and without automation — using the same stages, the same compliance requirements, the same lenders.
Arrives by phone or email. Manually entered into a spreadsheet or forgotten entirely until the client follows up.
Individual emails sent requesting each document. Chased manually when not returned. No central record of what's outstanding.
Affordability calculated manually or in a separate tool. DIP letter drafted from a previous case's template. Errors creep in. Lender response logged manually.
Generated manually from scratch. Takes 20–40 minutes per case. Version control nonexistent — the latest draft lives in your Downloads folder.
Client informed by phone or email. Procuration fee tracked in a separate spreadsheet. No audit trail. Consumer Duty evidence: none.
Lands in CRM automatically. Affordability pre-check runs. Client receives WhatsApp confirmation within minutes. Case opened and assigned.
WhatsApp sequence requests each document in order. Automatic reminders fire at 48 and 96 hours if no response. Outstanding items visible on the CRM board.
DIP letter generated from CRM data in 90 seconds. Lender response logged automatically. Case status updated. Client notified via WhatsApp.
Auto-generated from case data. Timestamped and version-controlled on creation. Stored against the case record. Consumer Duty audit trail: built automatically.
Client notified automatically. Procuration fee logged to CRM and Xero. Full case timeline preserved. Consumer Duty outcome evidence: complete.
The FCA's latest regulatory priorities for mortgage firms are explicit: firms must demonstrate good consumer outcomes — not just document the advice process, but evidence its substance. A file-check on a spreadsheet does not constitute a quality assurance framework. A timestamped CRM does.
The Financial Abuse Code now applies to approximately 90% of UK mortgage lending. Implementation plans must be running now ahead of the November deadline. Firms relying on manual processes to identify and document vulnerable client interactions are exposed.
Every client interaction timestamped. Every document version logged. Every status update recorded against the case. When the FCA comes knocking, the file is already built — not reconstructed from memory the night before a review.
We scope, build and deploy — typically within four weeks. Everything documented. Everything yours.