AI Receptionist for Mortgage Brokers
Answer Every Lead on the First Ring

No, and this is intentional for regulatory compliance. The AI gives a compliant response: 'Rates depend on your credit, loan amount, deposit, and property type. I will connect you with a qualified loan officer who can provide accurate pricing based on your specific circumstances.' This avoids breaches of FCA rules, prevents misleading-rate complaints, and keeps you compliant with MCOB. Complex pricing discussions route to a qualified loan officer who can properly discuss rates.

Yes. DeskCaller integrates with Twenty7Tec, Mortgage Brain, IRESS, Smartr365, One Mortgage System (OMS), and other mortgage platforms via API or Zapier. Every enquiry auto-creates a case file with borrower details, property info, loan purpose, and source attribution. Agreement in Principle appointments sync to LO calendars instantly. Document checklists send automatically. No manual data entry between the call and the start of an application.

Your AI checks each enquiry against your lender panel and the case types you are authorised to advise on. If it fits, it books an Agreement in Principle appointment. If it falls outside your panel, it gives a compliant response: 'That is outside our current lender panel, but I can refer you to a broker who specialises in that area.' This keeps you within your FCA permissions and MCOB, and protects your standing. Useful for firms that focus on specific lenders or do not cover specialist areas like adverse credit or complex buy-to-let.

Time-sensitive purchase leads (offer accepted, exchange deadline, chain waiting) trigger an immediate SMS escalation to senior loan officers. The AI collects the urgency details (offer date, exchange/completion deadline, chain position), borrower financials (credit, income, deposit), and property details (address, price, property type), then creates a priority case file. Your team knows exactly which leads need a same-day Agreement in Principle versus a standard turnaround. No hot leads sit in a queue.

Yes. First-time buyers route to specialists who cover Help to Buy, Shared Ownership, and first-time buyer schemes, with an education focus. Home movers route to mainstream residential experts. Investors (rental properties, refurbishment projects) route to investment property LOs with rental cover, limited company (SPV), and portfolio landlord expertise. Remortgages route to the remortgage team with current mortgage details and savings calculations. Each borrower type gets the right specialist from first contact, improving conversion and customer experience.

Your AI collects the credit challenges during initial qualification (bankruptcy discharge date, repossession date, dates of any defaults or CCJs) and flags the case for specialist review. Mainstream lender criteria (waiting periods after discharge) are noted, specialist adverse-credit lenders are mentioned where relevant, and the borrower is routed to a specialist adverse-credit adviser or an experienced LO who handles complex files. No false hope for unqualified borrowers, and no wasted time on cases no lender will currently accept.

Every enquiry is tagged with source, timestamp, loan type, borrower quality tier (A/B/C based on credit and income), and property details. You see which sources convert best, which waste budget, and which generate the highest-value clients. Close the marketing loop from ad spend to completed case, eliminating waste on underperforming channels and doubling down on the winners.

Yes. After booking the Agreement in Principle appointment, the AI sends an SMS and email with the documents required: last 3 months' payslips (or 2-3 years' SA302s and tax-year overviews if self-employed), last 3 months' bank statements, proof of ID and address, and consent to a credit check. It explains what lenders need, why each matters, and where to find items. Borrowers arrive organised and prepared. Reduces 'I do not have that' delays, speeds up the Agreement in Principle, and improves both the borrower experience and conversion.