Mortgage Deal Qualifier Demo

Mortgage Deal Qualifier

Pre-qualify every mortgage enquiry before your advisers invest time in it — affordability, LTV, credit flags, and product suitability assessed automatically from first contact.

Mortgage advisers spend an average of 45–90 minutes per case on initial fact-finds and qualification — before determining whether a case is even viable to proceed with

<3min

Initial screen

FCA-aligned

Criteria

0 hrs

Wasted advice time

Interactive Demo

See exactly how it works

Step through the full automation from start to finish — or jump to any step.

Prop Intel — Mortgage qualifier

New mortgage enquiry · Received 9:14 am

Hi, I’m looking to borrow around £240k on a property worth £320k. I earn £52k. Is that possible?

Thanks! That’s a 75% LTV at 4.6x income. Let me run a quick eligibility check for you — just a few more questions...

Step 1 of 5

Application Details Submitted

A prospective borrower completes a short web form or WhatsApp questionnaire — income, property value, loan size, and credit history. Prop Intel picks up from there, no adviser involvement yet.

Short web form or conversational WhatsApp questionnaire
Collects: income, employment, property value, loan amount, credit
No adviser time required at this stage

Affordability assessment

Gross income£52,000/year

Loan requested£240,000 (4.6x)

Max at 4.5x£234,000

Max at 5x (specialist)£260,000

Monthly payment (5yr fix)£1,248

Stress test (7%)£1,596 — 43% of net income

Step 2 of 5

Affordability Assessed

Prop Intel assesses affordability using standard income multiples and stress testing — calculating the maximum loan size, monthly payment at current rates, and whether the case meets typical lender criteria.

Income multiple assessment (4x, 4.5x, 5x, 5.5x)
Monthly payment calculated at current 2 and 5 year fixed rates
Stress tested at +2% to assess affordability under rate rises

Property & LTV check

Property32 Maple Ave, Coventry, CV3

Stated value£320,000

AVM range£305,000–£330,000

AVM LTV72.7%–78.7%

LTV statusPasses standard 80% max

Step 3 of 5

Property Value & LTV Verified

Prop Intel runs an automated valuation check on the subject property — confirming whether the stated value is consistent with comparable evidence and whether the LTV falls within standard lending criteria.

AVM check against Land Registry and Rightmove evidence
LTV calculated against AVM range, not just stated value
Flags significant discrepancy between stated and AVM value

Credit profile — M. Harrison

CCJsNone registered ✓

Self-reported defaultsNone ✓

Mortgage history2-year clean record

Estimated credit tierTier 1 — High street lender

Product rangeFull market access ✓

Step 4 of 5

Credit Profile Assessed

Using the applicant's self-reported credit history and public data, Prop Intel assesses credit risk — flagging CCJs, defaults, and missed payments that could affect lender appetite or product availability.

Self-reported credit history cross-referenced with public data
CCJ register search included automatically
Product suitability narrows based on credit profile

Prop Intel Just now

Mortgage qualifier complete — M. Harrison

Green — 75% LTV · Tier 1 lender · Affordable · Full decision pack ready for adviser

Step 5 of 5

Decision Pack Generated

A decision pack is produced for the adviser — summarising the case, eligibility assessment, product tier, and recommended next steps. Borderline cases include a list of specialist lender options.