Our investment in Technology

We know that in the fast-paced world, you and your customers don’t have the time to work with a lender who depends on manual processes to make decisions. You need answers quickly and simply.

That’s why over the past few years, we’ve invested heavily in technology - because we believed that it would make a significant difference for you and your clients.

What have we done


  • Aim to review all post received after initial assessment within 24 hours to speed up time to offer.


  • Aim to review all Scottish and New Build cases within 48 hours of submission
  • Continued investment in our capabilities for Automated Scoring and Policy rules.
  • 2020

    • Ability to provide day 1 offers
    • Launched automated income verification tech, removing the need for bank statements and pay slips where possible.


    • Implemented automatic identification and verification to remove the need to provide certified ID where possible
    • Access to subject matter experts via our Underwriting Expert mailbox
    • Developed a new API for instant fraud checks and financial crime assessment.


    • All properties valued using an AVM through an API which is supported by Cloud technology - this enables instant valuations where the application qualifies for an AVM and also allows the Society to track and monitor AVM performance with a view to increasing usage
    • New Build Help Desk launched for dedicated enquiries outside of BDMs
    • Twenty7tec Integration - a full integration at Full Mortgage Application & DIP straight into Lender platform
    • Moved to LMS for conveyancing panel management services in August 2022, which means we can add conveyancers to our panel within hours rather than days.

    We're award winning

    In 2022, we won Best Lender for Technology at the Mortgage Finance Gazette Awards and were named by Legal & General Mortgage Club as the Best Lender for Digital Innovation, and we’ll continue to invest in technology as we see opportunities to make things easier for you.

    Best Lender for Digital Innovation - Mortgage Club Awards 2022 Best Lender for Technology - Mortgage Strategy Awards 2022 Best Use of Technology Lender - Mortgage Finance Gazette Awards 2022
    Karen Appleton - Head of Mortgage Lending

    We're constantly looking for ways to improve the customer journey, using technology and external data wherever possible. Our investment in tech has enabled us to provide straight through mortgage journeys for those low-risk simple cases and allow our experienced underwriters to be there for you on the more complex cases that require the human touch

    Karen Appleton, Head of Mortgage Lending
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