Mortgage Lending
Move every application from enquiry to completion with fewer touches and no missed conditions.
Mortgage applications and AI agents for applications, document collection, affordability, underwriting conditions, valuation, offers and completion.
Built for mortgage lenders, banks and building societies and broker-led lending networks.
Works alongside your LOS, pricing engine and compliance tools. Round Infinity runs applications, documents, conditions, valuation and completion around them. Pricing and disclosures stay in your LOS.
How Mortgage Lending runs on Round Infinity
Each step shows what the AI agents do, where your team works, the workflow that keeps it controlled and what you track. People approve what matters, and every action is recorded.
Take applications and source the right product
Borrowers and brokers apply online and get help choosing the right product. Questions about status and next steps are answered at any time, with outstanding items explained clearly.
Verify identity, income and affordability
Payslips, bank statements and IDs are read automatically, and income and spending are checked against the application. Affordability is calculated from the verified figures.
Underwrite to policy with clear conditions
Underwriters receive a prepared case with the risk factors and recommended conditions, and make the decision. Every condition is tracked until it is met.
Value, offer and get the mortgage signed
The valuation is instructed and tracked, documents are checked against open conditions as they arrive, and the offer is issued and signed online.
Complete on time and retain the borrower
Completion is coordinated with the solicitors. Before the borrower's deal ends, they are contacted with a new product, so they stay with you instead of remortgaging elsewhere.
Connects to Identity and AML (GBG, Onfido, World-Check, ComplyAdvantage, Cifas), Credit and open banking (Experian, Equifax, TransUnion, TrueLayer), Property (HM Land Registry, Hometrack) and E-signature, payment rails and servicing platforms.
See everything in the pack
Business applications
- Borrower PortalApply, upload, track, pay, view the repayment schedule, request a redemption quote and chat with an AI assistant.
- Broker PortalEvery client's stage, loan amount and commission status without chasing the lender.
- Loan File & ConditionsEvery document, condition and status in one file.
- Affordability & Product SourcingProducts, criteria and affordability calculations.
- Underwriter WorkbenchRisk summary, policy checks, decisions and conditions.
- Valuation & Conveyancing TrackerValuation instructions, reports and solicitor milestones.
- Offer & CompletionOffer documents, signatures and completion checklist.
AI agents
- Borrower & Broker Concierge AI AgentAnswers borrower and broker questions about status and next steps, explains outstanding conditions, and requests missing documents.
- Document & Income Verification AI AgentReads payslips, bank statements, tax returns and IDs, extracts income and outgoings, and checks them against the application for inconsistencies.
- Affordability & Policy AI AgentCalculates affordability from verified data, applies lending criteria, and highlights exceptions for the underwriter.
- Underwriting Assist AI AgentPrepares the case summary with risk factors, verification results and recommended conditions; the underwriter makes the decision.
- Conditions & Offer AI AgentReviews documents received against open conditions, clears those that are met with an audit note, and drafts the mortgage offer.
- Completion & Retention AI AgentCoordinates completion with solicitors, and contacts borrowers before their product ends with product-transfer options.
- Identity & Financial Crime AI AgentRuns identity, AML, sanctions and fraud checks through your providers, summarizes matches with reasons, and routes only uncertain cases to a person.
- Mortgage Service AI AgentHandles borrower and broker calls, WhatsApp, email and chat with intent detection, and transcribes, summarizes and scores sentiment on every call.
Workflows
- Decision in principle to full applicationNo re-keying between stages.
- Conditions issue and clearanceTrack every condition to cleared.
- Valuation and down-valuationInstruct, review and re-decide.
- Product transfer and remortgageRetention before maturity.
- Further advanceRe-assess and offer to existing borrowers.
- Redemption and servicing requestsQuotes, payment changes and statements handled end to end.
Reports and dashboards
- Pipeline by stageApplications, offers and completions.
- Time to offerBy broker, product and underwriter.
- Outstanding conditionsBy type and age.
- Pull-through and falloutWhere and why cases drop.
- Workflow control towerSLA, ageing, bottlenecks and exceptions by stage.
Add use cases for the rest of your operation
The pack covers Mortgage Lending work. Service, scheduling, field service and finance come from use cases, each a separate line on your quote. Teams in this industry often add:
Included with every subscription
The pack and your use cases run on one platform, with one data model, one set of users and one audit trail.
See Mortgage Lending running on your process
Price the pack with your use cases in two minutes, or let us show one priority workflow running with your systems.