OMS Tech Talk 2025 explores AI’s growing role in mortgage innovation

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One Mortgage System (OMS) has hosted its latest Tech Talk event in London, bringing together senior figures from across the mortgage and lending sectors to discuss the impact of artificial intelligence, data and innovation on the future of the industry.

The half-day forum, sponsored by LMS, attracted delegates from the intermediary and lender communities and featured panel debates, a live case study and networking sessions.

Speakers included Dale Jannels, chief executive of OMS; Buster Tolfree, director of mortgages at United Trust Bank; Karen Rodrigues, chief sales officer at Market Financial Solutions; and Travis Scholes, commercial director at LMS.

Chaired by Rob Barnard, intermediary relationship director at Pepper Money, the opening panel explored how artificial intelligence is already being deployed to improve data accuracy, streamline back-office processes and strengthen compliance and decision-making.

Speakers also discussed the continuing need to balance automation with human input, ensuring that technology enhances rather than replaces the adviser’s role. Other themes included data integrity, brand reputation and the safeguards needed to support responsible AI adoption.

The conversation widened to address the alignment of broker and lender expectations, as well as the contribution of the Open Property Data Association (OPDA) in promoting standardisation and improving the borrower experience.

The event closed with a networking session, giving delegates an opportunity to exchange ideas on how greater collaboration could accelerate progress across the market.

Dale Jannels

Dale Jannels, chief executive of One Mortgage System, said: “Tech Talk provides a platform for open discussion between lenders, brokers and technology providers, essentially the people who shape how our industry evolves.

“The conversations today reflected a shared desire to innovate responsibly, using technology to make the mortgage process faster, smarter and more transparent without losing the human touch that defines great advice.”

He added: “True innovation doesn’t happen in isolation. It comes from collaboration, shared ambition and a willingness to challenge old ways of working.

“By bringing these perspectives together, we can ensure that technology continues to enhance, not hinder, the way we serve all parties across the mortgage journey.”

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