Mortgage Brain and Lloyds Banking Group have introduced the first digital Full Mortgage Application for Halifax submitted through Submissions Brain, enabling brokers to progress from sourcing to submission without rekeying client data.

The development allows brokers, networks and users of third-party CRM providers to move from initial sourcing to a completed application in a single workflow. Mortgage Brain said the system will save advisers an average of 30 minutes per case, with automatic data pre-population expected to reduce errors and support faster lending decisions.

The announcement follows Mortgage Brain’s unveiling of its updated Submissions Brain module at a client event in September, which included the first standardised Decision in Principle form for lenders participating in the service.

DIGITAL WORKFLOW FOR BROKERS

The new version of Submissions Brain allows brokers to capture and submit client information to multiple lenders using a single form from initial enquiry to DIP confirmation. Many lenders return decisions automatically within the platform. Halifax brokers can now progress directly from DIP to FMA without leaving the system.

The platform can be used as a standalone module through the Mortgage Brain Hub, via CRM Brain, or through API integrations with third-party CRM systems, giving intermediary firms flexibility over how they connect to lenders.

Mortgage Brain said brokers benefit from streamlined access to participating lenders, a consistent data set, and reduced need to navigate individual lender systems. For lenders, the technology provides wider distribution through a single integration and lower operational costs.

INDUSTRY PARTNERSHIP

Neil Wyatt, sales and marketing director at Mortgage Brain, said the collaboration showcased what can be achieved through collective effort by lenders and technology providers.

He said: “This partnership is not just defined by what we have delivered for the mortgage industry, which is revolutionary in itself. But it’s also about how we delivered it – through true partnership and collaboration.”

Wyatt added: “ Mortgage Brain and Lloyds Banking Group have set a new standard for how lenders and technology providers can raise the bar together, delivering real benefits across the industry.”

Frances Cassidy, head of strategic and technology partnerships at Lloyds Banking Group, said the change would give brokers more time with clients and improve decision-making speed.

She said: “At Lloyds Banking Group, we are committed to transforming the mortgage experience — making it simpler, faster, and more accurate for brokers and their customers.”

Cassidy continued: “By removing duplication and streamlining submissions, we’re enabling brokers to spend more time advising clients, while delivering quicker, more consistent decisions for customers.”

She said the partnership demonstrated how strategic collaboration could drive wider innovation across the intermediary sector.