Core Functionality

The Co-Pilot enables faster, more insightful mortgage decisions without removing the critical human element. It orchestrates fragmented bureau data and open banking transactions into a single, high-fidelity risk summary.

Human-in-the-Loop

The Co-Pilot augments underwriter judgement — it never replaces it. Expert decisions remain with your team, supported by richer, faster insight.

Transaction Analysis

Currently in PoC Phase

Faster Case Processing

Bank statements processed to reconcile income declarations and identify spending patterns relevant to affordability.

We are actively working with early partners to refine the Co-Pilot. If you're interested in participating, get in touch to discuss a pilot arrangement.

Reduce the time underwriters spend gathering and reconciling data — enabling them to focus on the nuanced judgement that only humans can provide.

Intelligent Data Orchestration

Seamlessly integrates with core platforms to pull high-fidelity credit insights into a unified view — eliminating the need for underwriters to manually reconcile multiple data sources.

Risk Reconciliation Engine

Automatically cross-references declared income against bank transaction data and payslip OCR to identify "refer" nuances instantly — surfacing anomalies that manual review might miss.

"Traffic Light" Risk Profiling

Delivers an intuitive dashboard of Pros, Cons, and Investigation Points — allowing underwriters to focus their expertise on the complex parts of the case rather than data wrangling.

Stateless Compliance by Design

Built with a "Privacy-First" architecture that processes PII as transient lookup keys — ensuring data minimisation in line with UK GDPR and SS2/21 standards.

Interested in the Co-Pilot?

We're looking for early partners to help shape the Underwriting Co-Pilot. Get in touch to explore a pilot.