At our recent event, we sat down with Lucas Lopes, Chief Product Officer at Experian. With experience spanning both the UK and Brazil, Lucas offered a global perspective on the state of mortgage innovation - from the roadblocks of regulation to the promise (and limitations) of AI and data sharing.

At Sikoia’s recent industry event, we welcomed leaders from across the mortgage ecosystem - including senior stakeholders from HSBC, Lloyds, Enra, Chetwood Bank, Experian, MAB, OMS, and Connect Mortgages - to unpack the practical realities of innovation in our sector.

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 .