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Sector · Mortgage advice
AI for mortgage brokers, with the adviser owning the recommendation
AI for mortgage brokers and advisers that chases documents, builds affordability packs and searches lender criteria, while the adviser owns every recommendation.
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Where the line sits
Cases stall on paperwork, not on advice
Most mortgage cases slow down while you wait for payslips, bank statements and ID.
Then someone has to read them, key the numbers and check them against lender criteria.
AI for mortgage brokers can do much of that chasing, reading and searching.
The recommendation, and the duty to the customer, stay with a qualified adviser.
What AI handles on a case
- Document chasing and reminders
- Income and outgoings extraction from payslips and statements
- Affordability pack assembly
- Lender criteria searches and shortlists
- Case notes and file summaries
- Status updates to customers and introducers
What the adviser keeps
- The product recommendation and suitability
- Judgement on unusual income or credit history
- Identifying and supporting vulnerable customers
- Anything the lender or customer will rely on
- Declarations and submission sign-off
- Protection advice and referrals
Where it helps
AI for mortgage brokers clears the paperwork queue
Document chasing is the obvious first job.
AI can track what each case still needs and send polite, specific reminders until it arrives.
When documents land, it can extract income, commitments and outgoings into your affordability pack.
It can search lender criteria for awkward cases, such as contractors or recent self-employment, and return a shortlist with sources.
It can draft case notes from the fact-find call, so the file reflects what was actually said.
Out-of-hours enquiries can go to an AI receptionist that books a call with an adviser.
85%
AI acts alone
130
65% of 200 cases
Goes to a person
70
35% of 200 cases
Illustrative batch with a typical confidence spread. Your real split comes from a pilot on your own work. Some decisions go to a person whatever the score.
The rules
Suitability and the Consumer Duty still sit with the firm
Advised mortgage sales fall under MCOB 4.7A, which requires reasonable steps to ensure a mortgage is suitable for the customer.
That obligation does not change because a tool helped build the file.
The Consumer Duty also requires firms to put their customers’ needs first.
The FCA has said it will rely on existing frameworks for AI rather than new AI-specific rules.
In practice, an AI-built shortlist is an input to advice, not the advice itself.
We build AI for mortgage brokers so the adviser’s reasoning is recorded alongside the AI’s working.
AI drafts
Check
Person decides
Learns
01 / 04
Human in the loop
Vulnerable customers need a person, not a process
Mortgage customers often come to you at a major life event.
The FCA’s vulnerable customers guidance expects firms to spot signs of vulnerability and respond flexibly.
It also says automated processes for customers in financial difficulty should allow for manual intervention.
We design AI for mortgage brokers with that exit built in.
If a call or email suggests bereavement, illness, separation or money worries, the case goes to the adviser first.
The AI flags, and the adviser decides how to support the customer.
Advice firms working across investments and protection can read AI for financial advisers for the wider picture.
Mortgage customers often come to you at a major life event.
How we help
Faster cases, the same accountability
We start with the step that stalls the most cases, which is usually document chasing.
We connect the AI to your case management and document store, so it knows what each case still needs.
Each output has a named reviewer, from affordability packs to criteria shortlists.
Unusual income, credit issues or signs of vulnerability always route to an adviser.
We train advisers and administrators to check AI output quickly and properly.
We start with the step that stalls the most cases, which is usually document chasing.
How it works
Four steps, one owner
Each system ships with a named person accountable for what it does.
01
Step 1
Map a case
We follow a typical case from enquiry to offer and mark where time goes.
02
Step 2
Agree the lines
We set what the AI may do, what it must escalate and who reviews each output.
03
Step 3
Build and test
We connect AI to your document store, CRM and sourcing process, then test it on closed cases.
04
Step 4
Train the team
Advisers and administrators learn to check AI output and to spot when a case needs a person.
Questions
Asked and answered
Further reading
From the source
FCA HandbookMCOB 4.7A Advised sales ↗The suitability standard for advised mortgage sales.Financial Conduct AuthorityConsumer Duty ↗The standard of care firms owe retail customers.Financial Conduct AuthorityGuidance for firms on the fair treatment of vulnerable customers (FG21/1) ↗Spotting and responding to signs of vulnerability.Financial Conduct AuthorityAI and the FCA: our approach ↗Existing rules, including the Consumer Duty, apply to AI.Information Commissioner’s OfficeGuidance on AI and data protection ↗
Keep reading
Related pages
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Next step
Tell us the work. We’ll show you where the line goes.
A 30-minute call. We map one workflow, what the AI could take, and where a person must stay in the loop.