The Financial Conduct Authority (FCA) has released CP25/11: Mortgage Rule Review, its first major step toward simplifying mortgage regulation in the post-Consumer Duty landscape. The consultation outlines proposals to make mortgage processes easier, faster, and more cost-effective for consumers and lenders alike. One key area of reform is the affordability assessment - and the cost, both in time and resources, is significant.

Tandem Bank partners with Sikoia to streamline income verification, cutting processing times from 30 minutes to seconds and enhancing accuracy for brokers and customers.

Sikoia has joined forces with Mast, a mortgage origination platform, to reduce administrative workloads and enhance the experience for both lenders and brokers.

Discover the key insights from our recent webinar on practical innovation in mortgages. Learn how brokers and lenders are using AI and automation to streamline processes, speed up decision-making, and improve customer experiences .

The mortgage industry is undergoing a profound transformation, and AI is right at the heart of it. AI is often discussed in the mortgage industry through the lens of Large Language Models (LLMs) like ChatGPT—seen as tools for answering queries, generating reports, or summarising financial documents. However, this myopic view underestimates AI’s true potential.

Specialist lending is evolving, and brokers face mounting pressure to keep up with compliance, efficiency, and client demands. At Sikoia, we’re driving this transformation with automation, enabling brokers to work smarter, faster, and more securely.