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Mortgage software services

Innovative, flexible mortgage software to transform customer experience and boost performance.

In the competitive world of the mortgage industry, lenders need every advantage as they strive to be the first choice of homebuyers. You need to be able to offer the best possible customer experience, alongside streamlined, efficient servicing.

Which is where we can help. Our innovative software and services span the entire lifecycle of a loan – we’re trusted by some of the UK’s largest financial institutions to provide individual services as well as entire end-to-end mortgage solutions which support their success.

If you would like more information please email us cssenquiries@capita.co.uk.

 

Mortgage and loan origination

Sales

Services

Underwriting

Arrears management

Litigation

 


 

Technology which makes the complex simple

Our flexible, customisable digital software uses the latest technology for more efficient workflows and customer care, providing all you need to transform customer experience and enhance sales. 

Enhance customer satisfaction and loyalty with a streamlined journey

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Boost productivity and remove risk with automation

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Enhance your success in a dynamic, constantly changing market

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Our mortgage sales, origination and administration products are tailor-made to improve every process at every stage of the customer lifecycle.

The visually-appealing interface ensures a simple, engaging multi-channel customer journey, whilst alerts make it easy to track the status of applications, with quicker responses for customers, helping to strengthen customer loyalty. 

Behind the scenes, seamless workflows and integration with lender back-office systems transform the efficiency of operations to optimise productivity and minimise costs.

From application to completion, the process is fully automated, removing manual workflows and human error from sales and originations, enabling advisers to achieve more in less time, including being able to produce a mortgage offer within 20 minutes of logging in.

By partnering with us, you benefit not only from being able to choose the services you need from our end-to-end mortgage capability, but also from the most forward-thinking mortgage technology team, to support you in leading the way as the lender of tomorrow.

Because we prioritise research and development, we can act quickly to meet the evolving needs of consumers and ensure compliance with the latest regulations.

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Why choose Capita Mortgage Services?

From our impressive client list and significant investment in compliance, to our robust reputation as a trusted partner, Capita Mortgage Services is uniquely placed to support your success:

Our clients

Our mortgage solutions are used in some of the UK’s largest and most innovative banking and lending organisations. But it’s not just larger concerns who benefit from our software - highly configurable and scalable, our solutions are adaptable to suit the needs of all types and size of organisation.

Compliance

We invest heavily to ensure we comply with all relevant legislation, regulation and voluntary codes of practice. Our software supports compliance with mortgage regulations such as Mortgage Market Review and is compliant with:

  • ISO9001 (Quality Management System) accreditation.
  • ISO27001 (Information Security Management System) accreditation.
  • Payment Card Industry (PCI) certification.
  • ISAE3402 (type 2) Service Organisation Assurance Reporting Standards.

How close are we to the ‘Mortgage Concierge’ becoming a reality?

Thought leadership article by Keith Green, strategic product director, Capita Mortgage Software Services, which considers how advancements in technology are starting to put the consumer at the heart of the mortgage process and how organisations are using this latest technology to give them a competitive edge.

Read the blog >

The reassurance of a partner with your core values

When your reputation is built on your robust performance, it’s reassuring to know you can rely on the rigorous corporate governance of Capita. We have an established and proven record in providing mortgage services and automated digital lending solutions, offering the lowest risk option for your strategic long-term investment.

 

Our Solutions

Our solutions feature the latest customer-focused technologies such as digital consumer propositions and a broker web portal, incorporating the latest mortgage product innovations such as lending at retirement age, equity release, help-to-buy and buy-to-let.

Our market-leading loan origination solution, Omiga

Omiga is a lender based end to end mortgage Origination platform supporting the processing of a mortgage from initial inception with the customer or broker through funds disbursement and completion into the lender servicing system. Highly automated with provision for both residential and buy to let mortgages, for both new and returning customers the Omiga solution will enables the customer to deploy their mortgage offering to any channel through a single system.

Deployment Options: Cloud or on Premise

Multi-Channel capability for use by intermediaries, end consumers and lender users supporting both the execution only and advised sales processes

Regulatory compliance ESIS ready and the capability to generate all required documentation including: suitability and recommendations reports, application submission packs and formal offer packs

Full processing support from Illustration on-line, automated decision, referrals, Fee payments, Application Submission, verification, valuation, offer, funds release and automated completion for both financial and non-financial transactions

Automation of the lender mortgage business process is achieved through the Omiga Task Management workflow. A fully configurable event driven process that empowers the lender to define the process to suit both organisational structure and policy

Integration to proven third parties within the mortgage estate and utilised at key points in the process including:

  • Physical Property Survey
  • AVM
  • Credit Decisions, Bureau, Affordability, Customer Authentication & Fraud
  • Electronic Conveyancing
  • Card Payments
  • Bank Account and Address Validation
  • Document Archiving & Fulfilment
  • Standardised integration with lender Servicing and CRM systems for customers and accounts.

Integration with additional services provided by the wider Capita estate include:

On line tools to support both the broker and consumer in a ‘Paper Free’ process including:

  • Product Comparison tools
  • Automated ‘shopping lists’ for verification
  • Application Specific Messaging between back office and broker
  • Document upload/download
  • Case Tracking
  • For intermediaries the inclusion of the deputy or administrator who can manage a broker or firm of brokers applications.

Keep customers involved and informed throughout the journey is key and the Omiga solution actively support this by:

  • Providing mobile friendly responsive portals for both the end customer and intermediary allowing access to their applications on the device of their choice
  • SMS, providing targeted and timely updates to customers and brokers fully configurable by the lender in both content and event that triggers the SMS
  • Email, providing timely updates to customers and brokers at key points in the process set by the lender. Email content including branding, style and wording is also fully configurable by the lender
  • Case Tracking, providing event based tracking for customers and brokers via the either the end customer or intermediary portal with the events that appear as tracking items being fully configurable by the lender
  • Messaging, providing application specific messages between lender back office staff and the broker with proactive alerts to the broker (via email or SMS) when a new message is added.

Services which maximise performance and profitability

We offer services to encompass the full mortgage life cycle, delivering results for clients across performing and non-performing assets. Our focus is on striking the right balance between service improvement and revenue risk by creating efficiencies and taking responsibility for business outcomes. Our experienced team works with high street banks, building societies and other lenders to provide:

  • Primary, special, master and back-up servicing
  • Third party mortgage servicing
  • Due diligence and portfolio services
  • Loan origination and underwriting
  • Facility agent
  • Account and arrears management
  • Securitised mortgage book management.

Why partner with Capita Mortgage Software Services?

We’re an established supplier of compliant mortgages solutions, with a proven track record of working with clients to meet desired business outcomes:

The latest technology to strengthen your success

  • A feature-rich, fully digital and integrated end-to-end modular solution with straight through-processing capability
  • Agile delivery
  • Safe and securely protected client data
  • Fast implementation timeframes
  • Supported by our experts throughout design and delivery.

Flexible to support your particular business and customer requirements

  • A proven and adaptable solution
  • Highly configurable automated lending policy rules to suit lenders’ processes
  • Scalability with no limits on the size of deployment
  • Seamlessly works across all channels including intermediary, advised sales and consumer, with full channel switching and full multi-brand capability.

Helps reduce costs and increase efficiency

  • Drive automation of processes, enabling minimal or no manual intervention
  • Reduce customer acquisition costs
  • Enables operational efficiencies to be achieved and increases productivity for the business

Our hosted service further reduces the cost of systems development and in-house IT resources required.

Connect with us

How can we help you?
cssenquiries@capita.co.uk

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