Committed outgoings by provider, month by month — with every statement reconciled to the penny. (Demo case, illustrative data.)
Upload your client's bank statement PDFs. Get back a reconciled, categorised, underwriter-ready affordability report — committed outgoings by provider, red flags with evidence, income assessment — while the kettle boils. You check it, tweak the odd category, and move on to the next case.
Any UK bank, digital or scanned. Every transaction is extracted and checked against the statement's opening and closing balances — a statement is only marked reconciled when the figures agree to the penny.
Every transaction categorised against a mortgage-specific taxonomy — with the payment method identified, so direct debits and standing orders surface first. Fix anything with one dropdown; it learns your corrections.
A lender-ready report: committed outgoings by provider, month-by-month totals, income regularity, red flags with evidence. Print to PDF, or download CSVs that drop straight into your fact find and CRM.
Direct debits and standing orders grouped by lender and provider, month by month — the expenditure section of your fact find, pre-built.
Gambling, returned payments, payday lending, overdraft use, undisclosed credit, unexplained transfers — each with the transactions behind it and a suggested adviser action.
Salary separated from dividends, regularity assessed across the period — built for the self-employed and director cases that take the most time.
Category totals split by month so the anomalies jump out — and your client can explain the holiday before the lender asks.
Every category you fix trains a knowledge base private to your firm. The tenth case needs fewer tweaks than the first.
Statement PDFs are never stored — processed and discarded. Extracted data is encrypted, held in UK/EU-region storage, and deletable case by case.
The software assessed the vast majority of the data correctly and allocated it to the correct categories… it highlighted the same payments I'd raised with my customers when I analysed their statements myself.Pilot adviser · The Mortgage Centre Direct
We'd rather show you real adviser verdicts — with names and faces — than marketing copy. Testimonials appear here as the pilot progresses, good and critical alike.
Founding cohort members use the full product free for a month on live volumes — enough to know exactly what it saves you.
Join during the pilot and keep a preferential rate for as long as you subscribe — our thank-you for the feedback that shapes the product.
Founding members sit closest to the product: your corrections, categories and report requests get built first.