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Upload the case documents.
Drop in the applicant's payslips and bank statements as PDFs. They're encrypted, isolated per organisation by Postgres row-level security, and never used to train models.
Documents → secure storageAI decision-support for UK mortgage brokers
AI reads bank statements & payslips in seconds — affordability, red flags and a broker-grade report, built for UK mortgage brokers. You stay the adviser; MortgageIQ does the reading.
Start with what the client gives you. Every number, flag, and report after that derives from the documents automatically — with the workings shown.
Drop in the applicant's payslips and bank statements as PDFs. They're encrypted, isolated per organisation by Postgres row-level security, and never used to train models.
Documents → secure storageClaude extracts every transaction, salary credit, and deduction into structured data, categorises spending, scans for gambling, payday-loan and BNPL red flags, and matches payslip net pay against the credits that actually arrive.
Extraction → cross-checksA deterministic UK mortgage engine applies income multiples, stress testing, and SDLT — no AI arithmetic — then a broker-grade narrative report is generated with every figure linked to the audit trail.
Engine → broker-grade reportStatements and payslips in; affordability, red flags and a narrative report out. The AI reads, a deterministic engine does the arithmetic, and every figure stays traceable to its source line.
Every transaction extracted and categorised. Gambling, payday loans, and BNPL commitments surfaced as red flags — before the lender finds them.
Full access to run real cases through MortgageIQ.
For independent advisers and small broker firms.
For growing firms with multiple advisers on the book.
For networks and firms with compliance-critical requirements.
UK payslips and bank statements, uploaded as PDFs from any major UK bank or payroll provider. The AI extracts structured data — salary credits, regular commitments, transaction categories, net pay, deductions — and cross-references payslip net pay against the credits that actually land in the account. Support for SA302s and accountant certificates for self-employed applicants is on the roadmap.
MortgageIQ is built for UK GDPR from the ground up. Documents are encrypted in transit and at rest, every organisation's data is isolated by Postgres row-level security enforced in the database itself, and applicant details never appear in system logs. Documents are processed solely to produce your analysis — they are never used to train AI models — and you can delete a case and its documents at any time.
The affordability engine applies standard UK market norms — configurable income multiples (4.5x by default), rate stress testing in line with lender practice, and current SDLT bands — rather than any single lender's scorecard. It shows you the workings for every figure, so you can adjust for the lender you intend to place the case with. Lender-specific criteria packs are planned.
No. MortgageIQ is decision-support software: it reads documents, computes affordability deterministically, and flags risks, but every recommendation to a client remains yours. You stay the regulated adviser; the platform gives you the evidence faster and records a tamper-evident audit trail of every document, extraction, and figure — which supports your FCA record-keeping and Consumer Duty obligations.
Field-level extraction accuracy is around 97% on UK payslips and statements. Every extracted figure carries a confidence score, low-confidence fields are flagged for review rather than silently accepted, and the affordability numbers themselves are computed by a deterministic engine from the extracted data — the AI reads, it does not do the arithmetic. You always see the source alongside the analysis.
Yes. Each case tracks the journey from decision in principle through offer, exchange, and completion, so clients can see exactly which stage they are at and what is outstanding — without another chasing phone call. You control what is shared; document analysis and red-flag detail stay broker-side.
Start your free 7-day trial. Upload a bank statement and a payslip, and read the broker-grade report MortgageIQ writes in about 90 seconds.