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
- 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.