Home Lending on a Single Platform

Benefíciese de un proceso de solicitud y originación ágil, para aumentar ingresos, mejorar eficiencias operativas, gestionar eficazmente el riesgo y ofrecer a su cliente una experiencia excepcional con la Plataforma de Originación de Crédito para Empresas.

Descubra nuestro sistema centralizado de gestión documental que elimina el papel y agiliza los flujos de trabajo.

Hometrack está redefiniendo el proceso hipotecario para prestamistas, brokers y prestatarios. La digitalización y la automatización son la clave para tomar decisiones de riesgo más rápidas, seguras y rentables que ofrezcan a todos agilidad y control plenos

In this white paper, experts from nCino and PwC explore five common mistakes that firms make when attempting a digital transformation project, and offer best practices drawn from their experience in deploying hundreds of new platforms on behalf of clients across multiple geographic regions.With regulatory headwinds picking up, interest rates still rising and borrower expectations changing, the macroeconomic outlook for UK homebuyers and mortgage lenders alike is daunting.

This is why many UK mortgage lenders are intent on disrupting the market by serving their clients throughout the entire homeownership journey, from applying for a loan to refinancing their home.

To achieve this goal of capturing more of the home buying journey and growing direct lending market share, mortgage lenders will need to provide borrowers with seamless and efficient mortgage experiences. During a time when it is more important than ever to identify and act on operational efficiencies and areas for cost savings, lenders can no longer afford to ignore their legacy technologies and antiquated processes.

Consolidation of multiple systems to nCino’s cloud banking platform will provide advanced agility so UK specialist mortgage lender can continue to stay ahead of changing customer and market expectations.

The COVID-19 pandemic highlighted previously unaddressed issues in the mortgage landscape and put pressure on lenders to quickly update their systems to meet the challenge.More recently, in response to interest rate uncertainty we’ve seen record amounts of mortgage products being removed from the market in the UK, more than during the pandemic. Digital transformation is no longer a ‘nice to have’, but a necessity to better respond to changes in demand and adapt to an evolving market. With many lenders now looking to, or having already started to, digitally transform their lending operations, it’s time to discuss the ways in which they can de-risk the re-platforming process.

“The current climate proves once again why lenders need to ensure they have built in agility across core technology stacks to facilitate rapid responses to market changes,” said Will Stevns, Partner, Customer Led Transformation in Banking, PwC.