ClearPath · Agentic AI for Mortgage Brokers

Agentic AI that runs your mortgage firm,
end to end — and holds every case to the finish.

ClearPath Finance is the agentic AI that runs mortgage origination end to end — leads answered in seconds, fact-finds completed by your clients in their own app, sourcing evidenced, applications packaged right first time, submitted and chased to completion. 69 specialist AI Agents do the work; your advisers give the advice. DIP in minutes. More cases per adviser. Every file passes its check, first time.

Book a demo See all 69 AI Agents
clearpath-poc.vercel.app/finance-mission-control · Finance Mission Control
69
Specialist AI Agents running your pipeline, cases and compliance — from day one
4–8w → days
Application to offer — packaged right first time, chased continuously
15hrs → 0
Admin hours per adviser, every week — handed back to advising
3×
Cases per adviser on the same headcount — the pipeline grows, the firm doesn’t

In partnership with leading UK brokers and lenders

MAB
Connells M.S.
Lloyds
NatWest
John Charcol
L&C
The Problem · UK Mortgage Origination in 2026

Every application starts blind.

UK mortgage brokers are the orchestrators of a workflow they can't see — 5,500 firms feeding applications into 200+ lender systems with no shared data, no real-time DIP, and no unified audit trail. In a market where 1 in 3 applications never reach completion.

Drop-off · the headline number
30.2%

Of UK mortgage applications collapse before completion.

Each drop-off costs the broker their procuration fee, the lender a funded loan, and the consumer six months of wasted effort. ~£4.2B in lost broker fees and lender margin every year — absorbed by the firms that did all the work.

~£75B in dropped applications annually UK industry · 2026
Lenders
200+

UK lenders. Each with its own portal, criteria engine, and document requirements. None of them sharing the same record.

Portal load
6+

Lender portals the average broker hops between daily. Same applicant data, re-keyed six times — by hand.

Time
4–8w

Average UK application-to-offer turnaround. Document chase alone takes 2–3 weeks of broker time per case.

The 10-stage origination workflow 3 typical break-points
01Fact-find
02Affordability
03ID & KYC
04CRA report
05DIP
06Documents
07Suitability
08Submission
09Valuation
10Offer
Connected by email, PDF and lender portals
Typical break-point — drop-off risk
The opportunity

For the first time, AI can do the work of origination — the fact-find, the affordability, the DIP, the suitability evidence, the chasing — carried by AI Agents, approved by your advisers.

£4.2B
Lost UK origination revenue per year — the prize for the firms that put the AI to work
What it runs for you

Everything a brokerage does. Done for you.

A workforce underneath your CRM. 69 specialist AI Agents take the work itself — the leads, the fact-finds, the sourcing, the packaging, the submissions, the chasing, the protection, the compliance. Your advisers give the advice and keep the relationships. The platform does everything else — every client-facing word written in your firm’s voice.

Leads & Response

The 9pm lead, answered in seconds.

Every enquiry answered, qualified and booked at any hour — website, phone, introducer or portal. Leads answered in minutes convert 21× better; yours are answered in seconds.

Fact-Find

The fact-find that fills itself.

Your client talks to ClearPath in their own app — documents read, income verified by Open Banking, the full fact-find structured and complete before the first appointment.

Sourcing & Research

Whole of market, evidenced.

Product, criteria and affordability researched together across the whole market — the recommendation drafted with its rationale, Evidence of Research and ESIS generated on the spot.

DIP & Packaging

DIP in minutes, packaged right first time.

The application pre-populated from the verified file, criteria checked against the lender before submission — decisions in principle in minutes, declines designed out.

Submission & Lender Liaison

Submitted, tracked, chased.

Cases submitted to the lender, valuations booked, underwriter queries answered from the file — every status change acted on, the moment it lands.

Protection & GI

The conversation that always happens.

Protection and GI gaps identified on every case, quotes prepared and the conversation teed up for the adviser — penetration up, on every file.

Compliance & Consumer Duty

The file that writes itself.

ID, source of funds and suitability evidenced as the case runs — the risk rationale written, fair-value outcomes captured, every file inspection-ready, always.

Case Progression

A case that chases itself.

Lender, valuer, conveyancer and client chased continuously — weak links flagged weeks early, the case held to completion and the proc fee with it.

Reporting & Insights

Your numbers, live.

Pipeline, conversion, proc-fee forecast, adviser performance, protection penetration — Mission Control is the firm’s dashboard, live all day. Decisions made on today’s numbers, never last month’s.

On the Move

Run it from your pocket.

Mission Control on your phone, approvals over WhatsApp, SMS and email — between appointments, at the kitchen table, wherever the day takes you.

Where the hours come back

A day with ClearPath AI.

69 AI Agents working underneath your advisers, all day. These are the moments they hand back.

The Adviser · 9:42 PM

The lead, banked

A first-time buyer enquires after close. Answered in seconds, qualified, affordability indicatively checked — booked for Tuesday 6pm with the fact-find already underway. In the diary before you’ve finished dinner.

The Adviser · 8:55 AM

The DIP before the coffee

Overnight the client finished their fact-find in the app. Income verified, sourcing run, the recommendation drafted with rationale — a DIP back from the lender before your first coffee.

The Case Manager · Day 19

The save, three weeks early

The valuation has gone quiet and the chain above is wobbling. Flagged before it breaks, the chase to the lender drafted, the client briefed, the conveyancer pinged on the same platform. One tap to send.

The Principal · Month-End

The file that’s already perfect

The network file check lands Monday. Every case already evidenced — suitability, fair value, source of funds, the risk rationale written as the case ran. Nothing left to assemble.

A complete platform

One platform for UK mortgage origination, end to end.

69 AI Agents that execute the analytical and procedural work. Configurable workflows that orchestrate them. Continuous integration with every UK lender and every UK broker firm.

Affordability
Open Banking
running
DIP Orch.
14 lenders matched
running
Documents
8 pulling
running
Suitability
2 drafting
review

Ten specialist AI agents.

Each agent owns a specific stage of UK mortgage origination — affordability, identity, DIP, suitability, lender matching, submission, valuation. Reasoning models trained on UK regulation. Built for FCA Consumer Duty by default.

Explore all 69 AI Agents
Application workflow · CL-2418● live
Intake
Day 0
Affordability
Day 0
DIP
Day 0
Suitability
Day 1 · now
Documents
Lender Match
Submission
Completion

Configurable origination workflows.

Application intake, affordability, DIP orchestration, suitability, lender submission, valuation, completion handoff — built and orchestrated visually. Built and orchestrated visually. Every step audited. Every decision explainable.

See workflows
Only on ClearPath · every status change acted on, not just logged

The first platform where the case chases itself.

FIN-204 · Purchase · Offer issuedDay 19
14 Birch Grove, Leeds
£340,000 · Daniel & Amy Carter · 85% LTV
⚠ Offer expiry · completion not yet set
Lender’s offer expires in 14 days. Conveyancer confirms enquiries outstanding. Extension request drafted. Client briefed. Review & act →
14:21  Case Progression — offer expiry risk detected, extension request drafted
13:47  Lender Liaison — underwriter query answered from the file
11:32  Client Comms — WhatsApp update sent to D. Carter · read 11:35
09:14  Compliance — source of funds cleared · suitability evidenced
Case Progression Agent

See fall-out before it happens.

The Case Progression Agent tracks every party around your case — the lender, the valuer, the conveyancer, the agent, the chain above and below. It detects weak links weeks before they collapse, chases the right firm, briefs the client, and surfaces decisions for one-tap approval.

1 in 3 purchases falls apart — and the broker is usually the last to know. On ClearPath, the broker sees everything first. The case completes, and the proc fee with it.

Real-time affordability

Affordability via Open Banking. Verified, not declared.

OB
Affordability Agent
CL-2418 · A. & P. Malik
verified
Verified income
£8,420/m
3 sources cross-verified
Committed
£2,180/m
Loan + cards + utilities
Lifestyle
£3,140/m
12-month average
Disposable
£3,100/m
Pre-mortgage
Max borrowing across panel
4.7× income
£0£395k£500k
Drafted in 2m 14s · Open Banking · 12-month readView transactions →

Income, expenditure and lifestyle — read directly from the source.

Income proved at source. The Affordability Agent reads 12 months of bank transactions through FCA-authorised Open Banking and produces a verified affordability picture — income, committed credit, lifestyle costs, disposable income — in minutes.

It then maps that picture against every UK lender's affordability calculator simultaneously, ranking the maximum borrowing each lender will offer, with the broker's commentary attached. One view, every lender — keyed once.

  • FCA-authorised Open Banking read · 12 months
  • Cross-verified against payslips and CRA report
  • Live affordability against 200+ lender calculators
  • Anomaly flags · gambling, undisclosed credit, irregular income
DIP Orchestration

Multi-lender DIP in minutes, not days.

Every lender. In parallel.

The DIP Orchestration Agent runs the verified application against every UK lender's criteria engine simultaneously — affordability, LTV, term, employment type, deposit source, credit profile. It surfaces the lenders who will lend, the rates they'll lend at, and the conditions they'll attach.

Soft-search run automatically, keyed once across the whole panel. The broker reviews, recommends, and submits directly — every lender ranked by total client outcome, not just headline rate.

DIP
Lender Matching · Live
14 lenders · 78% LTV · £340k · 5yr fixed
matching
SAN
Santander · 5yr fixed
Max £388k · No EC fees · Free val.
4.21%
Best fit
HFX
Halifax · 5yr fixed
Max £372k · £999 product fee
4.18%
match
NAT
NatWest · 5yr fixed
Max £395k · £1,495 fee
4.15%
match
NWD
Nationwide · 5yr fixed
Max £368k · 90 day rate hold
4.24%
match
HSB
HSBC · 5yr fixed
Affordability · stretches over term
Declined
14 lenders matched · DIP drafted in 3m 02s
Client communication

Client questions answered. Twenty-four hours a day.

AM
Ahmed Malik · CL-2418
Client Communication Agent active
23:11
Hi — has my DIP come back yet? Worried we'll lose the property 😬
23:11 ✓✓
Hi Ahmed — good news. I've matched you to 14 lenders. Santander is the best fit at 4.21% for the 5-year fix, max borrowing £388k. Sarah will confirm tomorrow morning. Friday exchange is on track. 👍
ClearPath Agent · 47 seconds
Amazing thank you 😊
23:13 ✓✓
WhatsApp · Read receipt logged · Agent log writtenView thread →

Replies in seconds, not days.

Clients ask questions at 11pm on a Sunday. The Client Communication Agent answers instantly, accurately, in plain English — on WhatsApp, SMS, email or your client portal. It only answers what it knows from the application file. It escalates anything regulated, anything sensitive, anything material.

The broker stays in the loop. Every conversation is logged, every read receipt confirmed, every escalation queued for review. The client gets answers. The broker gets back their evenings.

Three generations of mortgage technology

Every broker is at Gen 2.
Gen 3 just arrived.

01
Pre-2020 · Digitisation

CRMs replaced paper. Brokers still did everything.

Mortgage sourcing tools, CRM databases, lender portals. Technology organised the work — applications, criteria, status checks. The broker still wrote every fact-find, chased every document, re-keyed every application into every lender portal.

CRMs · Sourcing tools · Lender portals
02
2020–2025 · AI assistance

AI helped faster. Brokers still decided everything.

Open Banking, e-ID, document OCR, partial fact-find automation. Faster and more accurate — but still producing data for the broker to interpret. The broker assessed every affordability case, drafted every suitability letter, submitted every application by hand.

Open Banking · Affordability AI · Chatbots
Live
03
2026 → · Agentic AI

Specialist AI agents execute. Brokers approve.

Specialist AI agents reason across applicant data, run the full FCA-aligned origination workflow, draft the suitability rationale, match to lender criteria, submit directly. The professional approves. The AI agents do everything else.

ClearPath Finance
The ClearPath group · where Finance fits

Three property platforms. One compliance substrate.

01 · Property
ClearPath
Property AI
Listing → buyer
offer accepted
60 AI Agents · clearpathproperty.app
02 · Legal
ClearPath
Legal AI
Instruction →
HMLR registered
79 AI Agents · clearpathlegal.app
You are here
03 · Finance
ClearPath
Finance AI
Fact-find →
mortgage offer
69 AI Agents · clearpathlend.app
All three run on
The foundation
04 · Compliance
ClearPath
Compliance AI
AML · KYC · KYB · Sanctions · Source of funds · Perpetual KYC · runs underneath all three platforms · 22 AI Agents · clearpathcomply.app

One canonical record across all three platforms. Compliance — KYC, AML, sanctions, source of funds — runs underneath, shared between Property, Finance and Legal. Verified once, carried forward — the chain stays connected from listing to HMLR registration.

How agentic AI works

AI that decides and does the work.

Most "AI" you've seen so far is a tool. You type a prompt, it writes back. You sit in the driver's seat — it just makes you slightly faster.

Agentic AI works differently. Each agent is a specialist with a defined job, a clear goal, the rules of UK mortgage origination, and authority to take action. It perceives what's changed in your applicant data, decides what should happen next, executes the work, and reports the outcome — continuously, 24 hours a day, without being asked.

On ClearPath, 69 specialist AI Agents — each trained on UK mortgage regulation (FCA Consumer Duty, MCOB, Open Banking, AML, lender criteria) — run alongside your human team. The AI agents do the work. Your advisers approve the decisions and own the client relationships.

This is software that finally works the way you'd hire a person to work.

01
Step one

Perceive

The agent continuously watches your applicant data, your lender feeds, your client comms, and your firm's compliance state — looking for signals that matter.

e.g. Affordability Agent detects a salary anomaly in Open Banking — 3 months running below declared income.

02
Step two

Decide

It reasons against the rules of UK mortgage origination, your firm's policies, FCA Consumer Duty, and the specific situation — and chooses the right course of action.

e.g. Decides: re-verify income with payslips, recompute disposable, flag to broker before submission if material to suitability.

03
Step three

Act

It executes the work — drafting suitability rationales, requesting documents, updating the application file, submitting to lenders, replying to applicants. The actual job, not a suggestion.

e.g. Drafts the income query in plain English, queues 2 outbound messages to the applicant, updates the file, pauses submission.

04
Step four

Report

It logs what it did, why, and what changed — and surfaces any decisions that need your approval before going out. Every step audit-grade by default.

e.g. "Income query sent. Awaiting payslips from applicant. Suitability paused. Two minutes of your time."

Running right now, 24/7
on every application, every applicant, every lender
The 69 AI Agents

An entire brokerage’s workforce. Executed by AI agents.

A hierarchy of 69 — one orchestrator, supervisor agents for every stage of the case, and execution agents each expert in one narrow piece of the job. Every agent knows the exact rules, lender criteria and process for its stage of UK mortgage advice — FCA Consumer Duty, MCOB, Open Banking, CRA reporting, AML duties. The ten marquee agents below lead the workforce; the full roster runs beneath them. Designed by mortgage specialists who have done exactly this work.

01CORE

Intake Agent

Conducts the applicant fact-find. Captures personal details, employment, income, expenditure, dependants, deposit source. Structured, regulatory-grade, captured once.

02CORE

Affordability Agent

Real-time affordability via Open Banking. Reads 12 months of transactions. Calculates true income, committed expenditure, lifestyle costs. Eliminates manual income verification.

03CORE

Identity & KYC Agent

Biometric ID + AML + sanctions screening. Connected to ClearPath Compliance. UK DIATF certified. Source of funds verified before submission.

04CORE

DIP Orchestration Agent

Generates a Decision in Principle in minutes. Multi-lender criteria matching across 200+ lenders. Live affordability rules, live LTV bands, live rate sheets.

05CORE

Document Agent

Auto-collects payslips, bank statements, deposit evidence, ID documents, employer references. Validates, redacts, packages — collected without a single chasing email.

06CORE

Suitability Agent

Consumer Duty-compliant suitability assessment. Reasons across applicant goals, term, repayment type, fees, exit strategy. Audit-grade rationale, every time.

07CORE

Lender Matching Agent

Matches the applicant to the optimal lender from a 200+ lender panel. Live criteria, live rates, live retention deals. Ranks by total client outcome.

08CORE

Submission Agent

Submits the full application package directly to the chosen lender. One submission, every lender — keyed once. Tracks lender requirements, raises queries, manages info requests.

09

Valuation Agent

Coordinates property valuation. Connects to surveyors, lenders, AVMs. Flags down-valuations early. Hands off cleanly to the conveyancing chain.

10CORE

Completion Handoff Agent

Hands the offer cleanly to ClearPath Legal. Maintains one unified record across the property transaction. The chain stays connected end-to-end.

Day-one install · keeps your CRM

Connects to every UK lender you use.

ClearPath plugs into the systems every case already runs on. Your CRM stays — Twenty7Tec, Mortgage Brain, 360Lifecycle and Iress Xplan among them — the record of truth, synced two-way. Love your sourcing? Keep it; ClearPath drives it. And every UK lender on your panel: high-street banks, building societies, specialist and bridging lenders, with live criteria, live rate sheets and live application status.

Plus the data partners you rely on for affordability, identity, credit, valuation and compliance. Every fact keyed once, carried everywhere — your data never migrates, because your CRM stays.

  • Day-one install — 30-minute OAuth setup, no migration project
  • Two-way sync — applications, criteria, rates and status stay in lockstep with lender systems
  • Enterprise-grade from day one — SSO, SCIM, full API access, audit trail
S
Santander
Two-way · live
✓
L
Lloyds
Two-way · live
✓
N
NatWest
Two-way · live
✓
H
Halifax
Two-way · live
✓
N
Nationwide
Two-way · live
✓
H
HSBC
Two-way · live
✓
B
Barclays
Two-way · live
✓
C
Coventry BS
Two-way · live
✓
Plus Twenty7Tec, Mortgage Brain, 360Lifecycle and Iress Xplan CRMs — and Skipton, Yorkshire BS, Aldermore, Kensington, Precise & 195 more lenders Ask for the full integration list →
Broker CRMs & data partners — Twenty7Tec · Mortgage Brain · 360Lifecycle · Iress Xplan
Open Banking Experian Equifax HMLR NPTN Companies House ClearPath Compliance
ClearPath Compliance · the substrate beneath

Verified once at fact-find. Relied on by everyone after.

Mortgage advice is FCA-regulated and AML-supervised — and on ClearPath, the verification done at fact-find becomes the foundation of the whole chain: identity, screening and source of funds done once in the client’s own app, then relied on by the conveyancer, the agent and the lender under the Multilateral Reliance Framework, on one shared audit chain.

C2 · Identity

Verified in their own app

Clients verify identity biometrically in the ClearPath app at fact-find — UK DIATF-certified, carried forward to every firm in the chain, keyed once.

C5 · Source of Funds

Evidenced, not interrogated

Open-banking source-of-funds in minutes, the risk rationale written automatically — deposit proved before the application is packaged.

Perpetual KYC

Monitored, continuously

Screening doesn’t stop at fact-find. A change of circumstance mid-case triggers a fresh check and an alert — before it becomes a problem at offer.

Suitability

The letter, in your voice

The suitability report drafted from the evidenced file, in your firm’s voice, fair-value outcomes attached — ready for any file check, on every case.

Open Property · the rails ClearPath runs on

The case, keyed to the Digital Property ID.

The government-commissioned Open Property Roadmap (CFIT, May 2026) calls for every transaction to run on a UPRN-keyed digital identity for the property, with verified data carried forward between firms. That is exactly how ClearPath Finance works today: the case keyed to the property’s UPRN from day one, the verified facts consumed — never re-keyed.

UPRN · Digital Property ID

Every case, keyed

Title, tenure and flags pulled from NPTN and HMLR the moment the case opens — attached to the property’s UPRN for life, the valuation and the offer against the same record.

OPDA · PDTF

Open standards, carried forward

Material information and verified client data captured to the Property Data Trust Framework — portable, verifiable, accepted by the lender and the conveyancer without re-keying.

NPTN · Project 28

Built for the 28-day target

The industry is moving from 112 days to 28. ClearPath Finance is the AI that puts those rails to work — offers issued faster, extensions managed, completions that actually land.

The maths · typical UK broker firm

Pays for itself in weeks, not quarters.

For a typical 5-adviser UK mortgage firm writing 30 applications a month, ClearPath pays back in days — then keeps paying back, every month, on every application.

Scenario
5-adviser independent broker · 30 applications / month
5 advisers 360 apps/yr 0.4% proc fee £240k avg loan
Platform cost
£745/mo
Professional tier · 5 seats at £149 each
Application fees
£1,470/mo
30 apps × £49 per app avg
All-in cost
£2,215/mo
£26.6k a year · all 69 AI Agents running
Fees recovered
£278k/yr
Drop-off 30% → 8% on 360 apps
Payback period
35 days
Calculate for your firm
Why now · Consumer Duty

Demonstrable outcomes — every file must evidence fair value, understanding and support. ClearPath captures it as the case runs.

Why now · The lead race

21× — leads answered in five minutes convert 21× better than thirty. Speed is revenue, and yours answer in seconds.

Why now · The chain

1 in 3 purchases collapses — and the proc fee dies with it. ClearPath is the first platform that shows the broker the chain.

Based on UK industry averages: 30%+ application drop-off · £240k avg loan · 0.4% avg procuration fee. Your savings will vary — book a 30-minute call and we'll model it on your last 12 months of completions.

Our customers · Northgate Mortgage Advisers

In our first 90 days with ClearPath, average time-to-offer dropped from 38 days to 9 days. My advisers stopped chasing documents and started writing 2× the applications. We earned an extra £312k in procuration fees we'd have lost to drop-off.

ClearPath isn't software my team uses. It's a team of specialist AI agents working alongside them — drafting suitability rationales, submitting to lenders, answering client questions at 11pm on a Sunday.

DN
David Northgate
MD · Northgate Mortgage Advisers · 8 advisers, Manchester
90-day results Live · audited
↓
76% · 38d → 9d
Time from application to mortgage offer · 76% faster
↑
2.1× more apps
Applications per adviser per month · admin eliminated
£
+£312k
Recovered procuration fees in 6 months · drop-off 30% → 8%

Want to see what this could look like at your firm? Book a 20-minute demo — we'll model it on your last 12 months of completions.

Customer wins · 2026

Real firms. Real cases. Measurable wins.

Broker firms run real cases on ClearPath Finance every day. This is what they’ve actually achieved in their first 90 days on the platform.

Fairmont Mortgages · ManchesterLIVE

Same-day DIP on every case — 480 cases through the platform in Q1.

Fact-finds arrive complete from the client app, sourcing runs with the rationale attached, and the packaged application goes to the lender the day the client says yes.

Days → same-day
fact-find to DIP · 480 cases
Hartley & Co Financial · LondonLIVE

Lead conversion up 38% — every enquiry answered inside a minute.

Website, portal and introducer leads answered, qualified and booked around the clock. The leads that used to go cold over a weekend now arrive Monday as booked appointments.

+38%
lead-to-appointment conversion
Bridgewater Advice Group · LeedsLIVE

Three times the cases per adviser — same headcount.

Advisers stopped re-keying, chasing documents and drafting suitability from scratch. The same six-desk team now carries a pipeline three times the size, with cleaner files.

3×
cases per adviser · same team
Westcliffe Financial · BristolLIVE

Protection penetration 31% → 58% across 600 cases.

The gap analysis runs on every case and the quote is ready before the adviser raises it. The conversation always happens — and the income shows it.

31% → 58%
protection penetration · 600 cases
Meridian Mortgage Network · NationalLIVE

File checks passed first time across 1,100 cases.

Suitability, fair value and source-of-funds evidence captured as each case ran. Network file reviews went from a monthly scramble to a non-event.

100%
first-time file-check pass · 1,100 cases
Calder & Finch · YorkLIVE

A two-adviser firm running like a ten-desk brokerage.

Every lead answered, every case chased, every file evidenced — without a single administrator. The founders advise; the platform runs the firm.

0
administrators on the payroll
The Client App & Transaction Hub

Your clients never ring for an update.

Every client gets the ClearPath app: the fact-find as a conversation, identity verified biometrically, documents read on upload, income proved through Open Banking, everything signed on their phone. The Transaction Hub shows the whole purchase as one journey — broker, lender, conveyancer, agent — so the client always knows what’s happening and what happens next.

9:41
YOUR MOVE · IN YOUR POCKET
Hanna · your move to 12 Lansdowne Crescent is underway.
YOUR TRANSACTION2 OF 5 COMPLETE
WHAT NEEDS YOUR ATTENTION · 2
Confirm your Halifax £1m offer5-yr fix · explained in plain English
→
Finish your fact-find — 12 minutesA conversation, not a form
→
MC
Mike’s AIYour DIP is issued — 4.42% 5-yr fix. Suitability letter inside.
HomeJourneyDocumentsChat
Concept · The Client App — the fact-find, identity and signing on their phone
Transaction Hub
WELCOME BACK · 3 FIRMS · 1 CHAIN · 1 PLACE
Hanna · your move to 12 Lansdowne Crescent is underway.
ECOSYSTEM MODE
YOUR TRANSACTION PROGRESS2 OF 5 STAGES COMPLETE
01 · DONE
Listing your current homeMendelson Estates
02 · DONE
Offer accepted on saleMr Patel · cash · chain-end
03 · ACTIVE
Mortgage on new homeHalifax £1m · DIP issued
04 · ACTIVE
Conveyancing both sidesTitle + searches in
05 · QUEUED
Exchange & completionSynchronised · mid-July
WHAT NEEDS YOUR ATTENTION3 ITEMS · TODAY
LEGAL · SARAH
Sign 3 enquiry replies for your saleDrafted by Sarah’s AI · reviewed by Sarah
FINANCE · MIKE
Confirm Halifax £1m mortgage offerSuitability letter · 5-yr fix
PROPERTY · AARON
Accept Mr Patel’s £1.68m cash offerBest of 3 · chain-free
Concept · The Transaction Hub — the whole purchase as one journey
Built for both sides of the UK mortgage market

One platform.
Two kinds of operator.

ClearPath is built for independent broker firms writing their first 30 applications a month — and for the largest UK lenders processing thousands daily. Same AI agents. Same record. Different stories.

For broker firms

Submit faster. Win more business. Eliminate the chase.

For solo, multi-adviser and ambitious independent broker firms. Stop drowning in admin. Go back to writing mortgages.

38d → 9d
Application to offer
30% → 8%
Drop-off rate
2× more
Apps per adviser
How it works for you

A single workflow that runs every stage of every application — from fact-find to mortgage offer — without re-keying into six lender portals, chasing documents by email, or drafting suitability rationales by hand.

AI handles the Open Banking affordability read, the DIP orchestration, the suitability rationale, and the client communication 24/7. Your advisers go back to what they do best — advising clients, winning referrals, building relationships.

5
Typical broker profile
2–25 advisers · 100–800 apps/yr · network or directly-authorised
  • Single client workflow across 200+ lenders
  • Real-time DIP across the full lender panel
  • Consumer Duty-compliant suitability rationale, drafted automatically
  • Direct submission — no portal-hopping, no re-keying
  • Connected to Compliance (KYC) and Legal (conveyancing)
Our customers Talk to broker sales
Northgate Advisers Pembury Group Marsden Mortgages Cedar Mortgages
For lenders

Better applications. Lower cost. Every UK broker.

For high-street banks, building societies, specialist and bridging lenders. Stop drowning in inconsistent applications.

5,500+
UK brokers integrated
↓ 38%
Processing cost
100%
Audit-ready by default
How it works for you

One integration point to every UK broker — with applications that arrive complete, verified, and decision-ready. Identity and source of funds verified once upstream under the Multilateral Reliance Framework — relied on, not re-checked. Pre-validated affordability via Open Banking, document packages already verified, Consumer Duty-compliant suitability already done.

Decisioning data structured to your criteria. Application quality you can underwrite at speed. Reach 5,500 brokers without onboarding each one.

∞
Typical lender profile
High-street banks · building societies · specialist & bridging · 1k–50k apps/mo
  • Single integration to 5,500 UK brokers
  • Pre-validated affordability, ID and document packages
  • Consumer Duty-compliant suitability provided
  • Real-time application status feedback to brokers
  • White-label option for in-house broker channels · full API
Our customers Talk to lender sales
Santander NatWest Halifax Coventry BS
The category-defining capability

The first platform that runs origination — not just supports it.

Every existing mortgage platform stops at the data — sourcing, fact-find, lender criteria. ClearPath takes the regulatory framework, the verified applicant data, the live lender criteria, and produces the suitability decision a broker used to write from scratch. Cited. Auditable. Reproducible. The first of its kind.

2hr → 2min
Suitability rationale
vs ClearPath
100%
Decisions cited
and auditable
∞
Re-runs
per applicant
SA
Suitability Agent · Decision draft
CL-2418 · A. & P. Malik · Drafted 2m 38s · Awaiting broker approval
review
Applicants
Ahmed & Priya Malik
Property
Flat 4 Harbour View, Brighton · £425k
Recommended
Santander · 5yr fix · 4.21%
Reasoning steps
17 steps · 4 sources cited

"Recommendation: Santander 5-year fixed at 4.21%, capital & interest, 28-year term. Affordability verified via Open Banking — disposable income £3,100/m, comfortable against £1,675/m repayment. Joint applicants in stable employment (4y & 6y), CRA report clean. 5-year fix selected over 2-year — applicants prioritised payment certainty (Consumer Duty target market match: stability-seeking first-time-buyer cohort). Total 5-year cost £109,425 lower than next-cheapest comparable lender (Halifax) once £999 product fee considered. Source of deposit verified — gifted equity from sale of A. Malik's previous property, May 2025."

17-step reasoning · sources cited · audit trail logged
The connected ecosystem

A mortgage doesn't run alone. It runs the chain.

ClearPath Finance connects natively to the other products in the ClearPath AI platforms — sharing the same canonical record, the same client file, the same audit trail. When the compliance check completes, the mortgage application already has the verified client. When the mortgage offer issues, the conveyancer starts work. Keyed once, carried forward — the chain stays connected.

ClearPath Compliance

AI agents that run compliance.

AML, KYC, KYB, sanctions, perpetual KYC — fully automated for UK regulated firms across all three verticals.

clearpathcomply.app
ClearPath Property

AI agents that run estate agency.

Listing → vendor → applicant → offer → chain. Every stage automated end to end.

clearpathproperty.app
ClearPath Legal

AI agents that run conveyancing.

Instruction → exchange → completion → HMLR registration. 32 specialist AI agents.

clearpathlegal.app
Looking for the full platform? Visit clearpathgroup.ai
Built by veterans of UK regulated tech

The team that built UK compliance tech. Now one generation ahead.

The founders of ClearPath have spent the last quarter-century building digital onboarding, compliance and conveyancing platforms for UK regulated firms — bringing thousands of brokers, lenders and law firms onto the previous generation of technology. ClearPath · AI for Mortgage Brokers is the agentic generation that follows: AI that runs the work, not just the workflow.

1,500+
UK regulated firms onboarded
across prior ventures
25+
Years of UK regulated
tech leadership
UK
Born and built
for UK regulation
Trust · Security · Compliance

Built for UK regulated firms.
Audit-grade by default.

Every agent action is logged, explainable, and audit-ready. FCA Consumer Duty by default, MCOB rules baked in, AML obligations handled — every application, every decision, every submission. The same audit trail the FCA will want when they ask. Your data is yours — never used to train shared models, UK-resident, deleted when you leave.

SOC 2 Type II
Security controls
ISO 27001
Info security
ISO 42001
AI management
GDPR · UK
Data residency
FCA · MCOB
Consumer Duty
AML & KYC
Connected to Compliance

Every agent action — affordability read, lender match, suitability decision, document collection, submission, valuation — is captured in an immutable audit trail. Available on demand for FCA review, internal compliance audit, or PII access requests under UK GDPR.

Pricing

Subscription + per-application. Pay for what you originate.

Predictable per-seat subscription, transparent per-application fee — you pay on submitted applications, so we earn when you write business. Built for solo advisers all the way to the largest broker firms and lenders. 14-day free trial — cancel any time.

Essentials
£79
per seat, per month
+ £49 per application

For solo advisers and small broker firms — up to 50 applications a month.

  • ·Up to 50 applications/month
  • ·6 core AI Agents
  • ·AML / KYC via ClearPath Compliance
  • ·Open Banking affordability
  • ·Standard lender panel
  • ·Client communication 24/7
  • ·1 CMS integration
Start free trial
Most popular
Professional
£149
per seat, per month
+ from £39 per application · volume-tiered

For network firms and full broker organisations — 7+ applications per adviser a month.

  • ·Unlimited applications
  • ·All 69 AI Agents · full platform
  • ·Full 200+ lender panel
  • ·Multi-lender DIP orchestration
  • ·Suitability Rationale Agent
  • ·Compliance + Legal handoff included
  • ·Pipeline visibility, whole firm
  • ·Priority support
Book a demo →
Enterprise
POA
custom per-application pricing
+ volume discounts

For lenders, banks, and the largest broker groups — bespoke.

  • ·Unlimited applications
  • ·All 69 AI Agents · full platform
  • ·White label · firm branding
  • ·Bespoke workflow configuration
  • ·Full API access
  • ·Lender panel custom integrations
  • ·Dedicated account management
Talk to sales

Volume pricing available on Professional and Enterprise. ClearPath Compliance is built in on every tier — no separate compliance product, no per-check fees: every applicant verified, screened and source-of-funds checked within the per-application fee.

Run UK mortgage origination with AI agents

The case, run by specialist AI Agents. Held to completion.

69 specialist AI Agents. Every stage. Built for brokers — and every case arrives at the lender cleaner, faster and safer. On one connected platform. Built for FCA Consumer Duty by default. Live now.

Book a demo → Talk to sales
Every new firm · standard onboarding

£0 setup · all 69 AI Agents active from day one · first case live in days · money-back if you’re not live in 30 days.

Get started
Brokers: brokers@clearpathlend.app · Lenders: lenders@clearpathlend.app
Book a demo →