Mortgage Magic has announced the full integration of electronic ID verification into its broker workflow, enabling advisers to carry out remote know your customer checks in minutes via the Mortgage Magic client app.

The cloud-based platform said the move removes the need for manual document collection, replacing passport scans and certified copies with smartphone-based verification and automated screening.

With mortgage fraud a continuing concern and anti-money laundering requirements tightening, brokers face increasing scrutiny over client verification. Traditional methods, which often rely on emailed documents or in-branch checks, can be time-consuming and expose firms to the risk of forged identification.

Mortgage Magic said its integrated approach allows clients to verify their identity remotely through a secure link, while the system conducts background checks against global watchlists. Results are recorded directly within the compliance file.

Tanjir Sugar, chief executive at Mortgage Magic, said: “Identity verification should be the most secure part of the mortgage process, but it shouldn’t be the hardest.

“We have moved past the days of ‘certified true copies’ and waiting for a post. By integrating facial verification checks directly into the platform, we are giving brokers the tools to spot fraud instantly while offering genuine clients a frictionless, digital onboarding experience that takes seconds, not days.”

The firm said the system uses facial matching technology to compare a client’s live selfie against their government-issued ID in order to reduce impersonation fraud.

It also carries out automatic anti-money laundering screening, checking applicants against global politically exposed persons and sanctions lists, with outcomes logged automatically.

Clients complete the process via smartphone, removing the need to visit a branch or send physical documents through the post.

The integrated electronic ID module is available immediately to all Mortgage Magic subscribers.