Automation for
mortgage broking.

Mortgage broking

A broking business runs on two clocks at once. The short clock is the deal: an enquiry arrives, and whoever responds first with something useful usually gets the fact find. The long clock is the trail book, where revenue accrues quietly for years and disappears just as quietly when a client refinances with someone else.

Most broking groups manage the first clock with effort and the second with hope. Both can be systematised, and the second is usually worth more.

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Where the money leaks

• Enquiries that arrive while every broker is in an appointment
• Missed calls that never become a callback
• Documents chased by hand, four times, by the person who bills most
• Conditional approval conditions tracked in somebody's inbox
• Pre-approvals that expire without a nudge
• Settled loans that refinance away inside the clawback window

Speed on the short clock

An enquiry from a lead form, a referral partner or a missed call is qualified against the things that actually predict a deal, and receives a real answer in under a minute with a booking link attached.

The broker is briefed rather than notified: borrower profile, likely lender fit, and what to ask first. The call back starts from a position instead of from a blank page.

Protection on the long clock

Every settled loan gets a lifecycle: a check-in, a rate comparison, and a deliberate touch before the clawback and refinance windows open. A trail book view ranks the whole book by discharge risk, so retention effort goes where the exposure actually is rather than where the last phone call happened to land.

The admin that eats a broker's day

Call outcomes logged and classified from the note. Document requests fired per item and stopped on receipt. Outstanding conditions tracked to closure. Responsible lending rationale captured from the fact find rather than typed a second time. A weekly pipeline report that builds itself before the principal asks for it.

Where we would start

Almost always with speed to lead, because it is the fastest to prove and the easiest to measure. Count the enquiries that currently get a real response inside an hour, build the system, then count them again a month later. Nothing about that argument requires trusting us.

Document chasing is usually second, because it is the largest single block of broker time that requires no judgment at all. Trail book protection comes third, not because it is worth less but because it takes a quarter to show a result, and a first build should show one sooner than that.

That order is a default rather than a rule. If your group already answers fast and the real pain is a book that keeps discharging, we start there instead.

Common questions

We are a group of six brokers. Is that too small?

No. That is a good size for it: enough volume that the admin genuinely hurts, small enough that one well chosen system changes the week. Smaller groups usually start with a single workflow rather than a full build.

Does anything go to a client automatically?

Acknowledgements do. Anything containing advice, numbers or a commitment is drafted and waits for a broker to approve. Responsible lending obligations are not delegated to software.

Can it work with our aggregator's CRM?

In most cases yes. Where an aggregator platform is closed we build around it rather than fighting it, and keep the data layer separate so you are not stranded if the platform changes.