Automation for UK Mortgage Brokers — Campbell Consultancy
Industries — Mortgage Brokers

Automation for UK mortgage brokers who are drowning in case admin.

1.8 million fixed-rate mortgages expire this year. Your caseload has gone up. Your back office hasn't. We build the systems that handle the admin — so you can focus on the advice.

1.8M
Fixed-rate mortgages expiring in 2026. The remortgage wave is here — and it's landing on your inbox.
91%
Of UK mortgages now written through brokers. Your market share is growing. Your admin burden is growing faster.
96
Average cases placed per broker per year in Q1 2026 — up from 89 in Q4 2025. Same hours. More cases.
1 Nov
FCA Consumer Duty compliance deadline. The audit trail needs to be in place before that date — not after.
The problem

Your pipeline is running on email threads and good intentions.

Every case is a filing cabinet in your inbox

A new enquiry lands. You start an email thread. You request payslips, bank statements, proof of address — each one a separate message. By the time you reach DIP, you've got twenty attachments and no clean view of where the case stands.

DIP letters and KFIs are still written from scratch

Decision in Principle letters, Key Facts Illustrations, suitability letters — each one manually assembled from client data you've already captured somewhere else. It's the same information, reproduced six different ways, by hand.

Consumer Duty means the paper trail is no longer optional

The FCA's 2026 priorities are explicit: firms need demonstrable outcome testing, quality assurance frameworks and audit trails that prove good consumer outcomes at every stage. Spreadsheets and email don't constitute a compliance record.

Client chasing is eating your afternoons

Outstanding documents. Missing bank statements. The client who hasn't responded in a week. Every follow-up is a manual task — a WhatsApp, a call, an email — and none of it is logged anywhere that matters.

What we build

Systems that run the case journey. You run the advice.

Four things, built properly. Each one solves a specific part of the mortgage broker back office — not a generic CRM template dropped in with minimal configuration.

01

CRM built around the mortgage case journey

Monday.com configured around your actual pipeline: Enquiry → AIP → DIP → Full Application → Offer → Completion. Every case visible at a glance — status, outstanding documents, lender, next action, procuration fee. Not a sales CRM bolted onto your workflow. A mortgage CRM built from the ground up.

02

Document automation

Decision in Principle letters, KFIs, ESIS documents, suitability letters, offer summaries — generated automatically from your CRM data via Make.com. What takes 25 minutes per case takes 90 seconds. Every document versioned, timestamped and logged — which is exactly what the FCA's Consumer Duty outcome testing framework requires.

03

Client communication flows

WhatsApp sequences that request outstanding documents, send case progress updates, and follow up on non-responses — triggered automatically by CRM status changes, not by you. Clients feel looked after at every stage. You're not the one doing it. Every message logged to the case record.

04

Client-facing calculators for your website

Affordability calculators, rate comparison tools and stamp duty estimators — built to your brand and embedded on your website. Your clients use them. You capture the lead. We build the tools once; they work indefinitely. These are the same tools we embed as demos on this page — the ones below are live.

Before and after

The same case. Half the admin.

This is what the mortgage case journey looks like with and without automation — using the same stages, the same compliance requirements, the same lenders.

Without automation
01
Enquiry

Arrives by phone or email. Manually entered into a spreadsheet or forgotten entirely until the client follows up.

02
Fact find & document request

Individual emails sent requesting each document. Chased manually when not returned. No central record of what's outstanding.

03
AIP / DIP submission

Affordability calculated manually or in a separate tool. DIP letter drafted from a previous case's template. Errors creep in. Lender response logged manually.

04
KFI & suitability letter

Generated manually from scratch. Takes 20–40 minutes per case. Version control nonexistent — the latest draft lives in your Downloads folder.

05
Offer & completion

Client informed by phone or email. Procuration fee tracked in a separate spreadsheet. No audit trail. Consumer Duty evidence: none.

With Campbell Consultancy
01
Enquiry

Lands in CRM automatically. Affordability pre-check runs. Client receives WhatsApp confirmation within minutes. Case opened and assigned.

02
Fact find & document request

WhatsApp sequence requests each document in order. Automatic reminders fire at 48 and 96 hours if no response. Outstanding items visible on the CRM board.

03
AIP / DIP submission

DIP letter generated from CRM data in 90 seconds. Lender response logged automatically. Case status updated. Client notified via WhatsApp.

04
KFI & suitability letter

Auto-generated from case data. Timestamped and version-controlled on creation. Stored against the case record. Consumer Duty audit trail: built automatically.

05
Offer & completion

Client notified automatically. Procuration fee logged to CRM and Xero. Full case timeline preserved. Consumer Duty outcome evidence: complete.

The compliance question

The FCA isn't asking nicely any more.

01

FCA March 2026 priorities

The FCA's latest regulatory priorities for mortgage firms are explicit: firms must demonstrate good consumer outcomes — not just document the advice process, but evidence its substance. A file-check on a spreadsheet does not constitute a quality assurance framework. A timestamped CRM does.

02

Financial Abuse Code — 1 November 2026

The Financial Abuse Code now applies to approximately 90% of UK mortgage lending. Implementation plans must be running now ahead of the November deadline. Firms relying on manual processes to identify and document vulnerable client interactions are exposed.

03

Automation creates the audit trail by default

Every client interaction timestamped. Every document version logged. Every status update recorded against the case. When the FCA comes knocking, the file is already built — not reconstructed from memory the night before a review.

Tools we use

Your caseload is growing. Your back office should be keeping up.

We scope, build and deploy — typically within four weeks. Everything documented. Everything yours.

Free ops checklist