AI is moving from experimentation into mortgage infrastructure. Scottish Building Society has gone live with an SBS sovereign AI platform for areas including onboarding, engagement, data analysis, risk monitoring and compliance. Separately, tmGroup has launched an AI-powered property-document review tool, estimating that it could save fee-earners up to an hour per property.
The opportunity for adviser firms is not merely faster content creation. Better uses may include document triage, case-progress updates, quality assurance and structured extraction of property information. However, advisers should validate outputs, retain human ownership of advice and consider cloud concentration and continuity risk—especially after the Bank of England-led sector exercise focused on a global cloud-services disruption.