Technology is increasingly targeting mortgage-process friction. Halifax Intermediaries has modernised its purchase and remortgage application experience, including easier document uploading, while GB Bank has introduced dual legal representation for eligible buy-to-let and bridging refinances. Separately, commercial brokers are reported to lose up to two days a week to failed cases; tools that check company records against lender criteria aim to reduce this waste.
AI and rules-based triage can improve packaging quality, identify missing information and prioritise viable cases before substantial adviser time is committed. However, firms should test accuracy, maintain clear audit trails and ensure clients understand where automated processes are being used. Efficiency gains should be reinvested in advice, suitability and complex-case support rather than simply accelerating submissions.