Mortgage technology, AI and broker-lender integration were among the central themes at the latest One Mortgage System Tech Talks event in London.
One Mortgage System, the CRM and loan origination platform for intermediaries and lenders, hosted the event with representatives from lenders, networks, brokers and technology partners.
The first panel looked at how lenders and brokers can compete for the “digital-first” borrower, with discussion covering the progress still needed to create a fully digital end-to-end mortgage process.
Speakers pointed to legacy systems, poor data flow, manual checks and the need for stronger links between brokers, lenders and technology providers as continuing barriers to a more streamlined market.
The panel included Dale Jannels, chief executive of OMS; Dawid Kotur, chief executive of Curvestone AI; Angela Hesketh, head of government and public affairs at PEXA; Henry Vaughan, vice president of growth at Selina Finance; Matthew Kimber, chief executive of Molo Finance; and Michael Craig, managing director of Brilliant Solutions.
The discussion also considered how lenders balance faster digital service with human reassurance, particularly for first-time buyers, vulnerable customers and borrowers who need additional support or clearer guidance.
Technology integration between broker CRMs, lender systems and platforms such as OMS was another key theme, with speakers highlighting the potential to reduce repeated data entry, cut errors, speed up applications and make case handling easier.
The role of AI-led decisioning, automated underwriting, open banking and alternative data was also discussed, including whether these tools can improve credit checks, reduce time to offer and support better lending decisions over the next 12 to 18 months.
Speakers also examined the importance of transparency, audit trails and process controls, particularly in bridging finance, where stronger oversight and reporting can give funders greater confidence.
The event also looked at changing borrower expectations, including demand for speed, clearer updates, ease of use and greater certainty, as well as whether lenders fully understand younger borrowers, including Gen Z.
Broker behaviour was another focus, with the panel considering how customers increasingly research and compare mortgages online, and how CRM systems can help brokers manage rate withdrawals, rebroke cases and periods of high pressure with less manual work.
A second panel, featuring Sebastian Murphy, group director of JLM Mortgage Network, and Danny Belton, head of TMG Club and partner strategy, considered what brokers want from lenders and how technology is shaping their businesses.
The event also included presentations from Hesketh, as well as Travis Scholes, commercial director, and Suzanne Booth, head of lender sales and corporate accounts at LMS.
Curvestone AI was headline sponsor of the latest Tech Talk, with other sponsors including PEXA, LMS and Phoebus Software.
Jannels said: “Our Tech Talk events have proved very popular, and this event was no different with a lively and engaging debate throughout the day.
“Having so many lenders of differing sizes in one place, who were willing to share ideas and discuss key areas assisting (and affecting) the mortgage technology market was valuable.
“A huge thank you to all our sponsors and speakers. At OMS we will continue to bring partners together at events like this to lead the development of integrated solutions to deliver the best-in-class solutions for brokers and lenders.”
Kotur added: “Our ethos is very similar to OMS’, we’re keen to stay agnostic in terms of the systems lenders and brokers use, and to give compliance teams AI modules that automate case packaging, compliance checks, and reporting, with a full audit trail behind every decision.
“Great event, and we’re already looking forward to the next one.”
