Initial qualification
Enquiries answered immediately, qualified against your criteria, with the basic position established before an adviser invests time.
AI agents for wealth and mortgage advisory
The short version: the advice is the product and it stays human. Everything around it — qualification, document collection, compliance narrative, status chasing — is administrative load that currently consumes more adviser time than advising does.
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The administrative tax
A mortgage or advice file requires an enormous volume of documentation, collected from clients who are busy and third parties who are slow, then assembled into a compliance narrative that justifies the recommendation.
Advisers do this because they’re accountable for it. Most of it doesn’t require an adviser.
Workflows we automate
Document collection
The full document list requested, chased, tracked and validated on arrival, with completeness checked against lender or product requirements.
Compliance narrative preparation
Fact-find data and file activity assembled into a draft narrative for the adviser to review, correct and own.
Status and progress communication
Clients told where things are without an adviser stopping to explain.
Review scheduling and reactivation
Annual reviews and lapsed clients worked systematically.
Traditional vs agent-augmented
| Today | With an agent | |
|---|---|---|
| Initial enquiry | Adviser callback | Answered, qualified immediately |
| Document chasing | Manual, ongoing | Automatic, escalating |
| Completeness | Found at submission | Checked at receipt |
| Compliance narrative | Written from scratch | Drafted for review |
| Client status query | Interrupts an adviser | Answered from live status |
What we integrate with
- CRM and advice platforms: major wealth and mortgage platforms with API access
- Lender and product systems: where APIs exist
- Document sources: email, portal, open banking feeds
- Channels: phone, SMS, email, portal
How we de-risk it
- No advice, no recommendation, no product suitability — ever. This is the hardest line we draw anywhere, and it’s not negotiable regardless of how a client frames the request.
- The adviser owns the narrative. The agent drafts from the file; the adviser reviews, corrects and signs.
- Vulnerability detection escalates immediately.
- Full audit trail on every interaction, because your regulator will want it.
Related use cases
The same workflows, described by the job rather than the sector.
Frequently asked questions
Can it recommend a product?
No. It gathers, chases, drafts and communicates status. Recommendation is regulated advice and stays with a qualified adviser.
What about best-interests obligations?
Unchanged. The agent improves file quality and evidence; the adviser’s duty and accountability are untouched.
Will it write our compliance file notes?
It drafts from actual file activity. The adviser reviews, corrects and owns the result — the same relationship a paralegal has to a lawyer.
How does it handle vulnerable clients?
Detection and immediate escalation to a human, built as a hard rule.
Not sure this is your operation
Every sector page describes the workflows we’d expect to find. Yours will differ in ways that matter, and the audit is designed for exactly that — you get evidence about your own business rather than someone else’s.