Mortgage Brain has launched an AI charter aimed at addressing growing concerns over data security, governance and reliability in the use of artificial intelligence across the intermediary market.

The mortgage technology provider said the framework responds to increasing risks linked to the use of third-party AI tools, which are becoming more widely adopted by brokers and lenders seeking efficiency gains.

According to the firm, many technology solutions currently in use rely heavily on external AI providers, raising concerns that sensitive client data may be processed outside of controlled environments.

The charter has been developed by chief executive Zahid Bilgrami and is intended to provide a structured approach to how AI should be built, governed and deployed within mortgage advice and lending processes.

FOUR PILLARS

The framework is built around four core areas: cost, intellectual property and data sovereignty, consistency, and speed and fit-for-purpose deployment.

Mortgage Brain said the cost element focuses on the long-term commercial implications of relying on third-party infrastructure, particularly where firms have limited control over pricing.

The intellectual property and data sovereignty pillar addresses how and where client data is processed, with the firm emphasising that its own systems are designed to ensure data remains within its control.

Consistency centres on the need for deterministic outputs in regulated advice, where identical inputs should produce the same results — something the company argues is not always achievable with probabilistic AI models.

The final pillar highlights the importance of targeted deployment, combining AI with rule-based systems where appropriate rather than relying solely on general-purpose models.

Mortgage Brain said its approach is underpinned by in-house development, with models trained on mortgage-specific data rather than broader datasets.

Bilgrami said: “Brokers and lenders deserve a clearer picture. We needed a documented framework that customers, compliance teams, and partners can actually interrogate.

“Too many firms are making procurement decisions without asking the right questions.”

INDUSTRY RESOURCES

Alongside the charter, the firm has launched an online resource hub designed to support mortgage professionals in assessing and adopting AI tools.

The hub includes guidance on data handling, compliance considerations and practical use cases, as well as checklists and questions for firms to consider when selecting technology providers.

Mortgage Brain said the initiative reflects a wider need within the sector to move beyond headline AI capabilities and focus more closely on governance, reliability and regulatory alignment.

The charter and supporting materials are available via the company’s website.