# The Future of Mortgage Lending Starts Here The mortgage market doesn't wait. Your customers and brokers won’t either. Your mortgage platform needs to move faster. nCino's Mortgage Solution is a true cloud-based, omni-channel solution uniting customers and third parties on a single platform. --- ## What Sets nCino Mortgage Apart An AI-native, multi-product platform that delivers a faster speed to offer, seamless experiences and improved retention - across every channel. --- ## A Digital Experience That Sets you Apart Omnichannel customer, broker and assisted journeys on one intuitive platform, across mobile app and desktop. Offering a streamlined application process designed to reduce friction at every step. You can meet your customers and brokers wherever they choose to engage, with fewer clicks, fewer drop-offs, and **a faster speed to offer**. - A front end that drives broker advocacy and borrower retention - Returning customers and brokers never have to start from scratch - Journeys carry seamlessly across channels and devices *This product is expected to be generally available Autumn 2026. --- ## Best-in-class, Intelligent Origination Replace manual, repetitive workflows with intelligent automation. Faster responses, fewer errors, and a team freed up to focus on the decisions that actually require human judgement. A single, unified view of customer and loan information across every stage of the origination lifecycle means **less process, more lending**. - **For your teams:** Less time on process: More time on lending decisions, customer service and broker relationships - **For borrowers: **Faster, cleaner journeys: No repeated requests. A transparent process from start to offer - **For the business:** Scalable operations: A platform that grows with your lending volumes. Without adding complexity or cost --- ## Mortgage uk stats - **50% reduction in time from application to offer** - **£1BN in new lending in 27 months** - **66% improvement in time to generate offer letters, from 3 hours to 30 minutes** --- > "With nCino, we're excited to scale and become more efficient through digital consolidation, enhanced risk management and a more modern customer experience." > > — Andrea Dalton, Chief Transformation Officer at Together Money --- ## 10 Questions to Ask When Choosing a Mortgage Platform Once you decide to modernise your mortgage platform, the critical question is which platform or approach do you choose? In this guide, we arm you with the 10 strategic questions to ensure you invest in a platform and partnership that aligns with your needs today, and into the future. [Read the White Paper](https://assets.ctfassets.net/ze344jjyx19q/1ATCrkugJq91NrfDZ71GM7/f3190d62c1e4466fe067dc73b2c42c88/10-Questions-to-Ask-When-Choosing-a_Home-Lending-Platform_EMEA.pdf) --- ## Featuring Our Mortgage Solution ### nCino x OSB: 5 key lessons for transforming lending in the digital era nCino x OSB: 5 key lessons for transforming lending in the digital era [Read more](/OSB's-Story-with-nCino-and-Publicis-Sapient) ### How mortgage lenders win: Broker advocacy in a highly competitive market The UK mortgage market has shifted decisively toward intermediaries in recent years. Brokers currently account for 87% of all UK mortgages, a figure that’s forecast to reach 91% by the end of this year.With more than 100 lenders competing for broker business, the question facing every mortgage lender is, how to stand out from the crowd?The answer? By creating experiences that drive advocacy and growth. [Read more](/broker-advocacy-in-a-highly-competitive-market) ### Building Customer Loyalty in Mortgage Lending: Insights from our Executive Breakfast [Read more](/building-customer-loyalty-in-mortgage-lending) ### Reimagining the Homeownership Experience: How Technology is Transforming Global Mortgage Lending Getting a mortgage is one of the biggest financial decisions most people will ever make. Yet borrowers are often met with long waiting times, mountains of paperwork, and a frustrating, opaque process that leaves them in the dark about their application status. [Read more](/reimagining-the-homeownership-experience-how-technology-is-transforming-global-mortgage-lending) [Read more](/why-unified-banking-platforms-are-the-key-to-growth) ### Driving Efficiency and Faster Processing Across Santander International’s Mortgage Journeys Santander International's COO discusses how the company is utilizing nCino's digital innovation to support and transform communities, with a focus on reinventing customer interactions and streamlining processes for mortgage products. [Read more](/santander-international-mortgage-journeys) ### Mortgage Transformation: 5 Mistakes to Avoid 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. [Read more](/mortgage-transformation-mistakes-to-avoid) ### OneSavings Bank Bolsters Its Technology Stack Through Strategic Partnership with nCino 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. [Read more](/onesavings-bank-bolsters-technology-stack-through-strategic-partnership-ncino) ### 5 Things to Consider When Choosing a Digital Mortgage Vendor Choosing the right digital mortgage vendor can feel daunting. Mortgage lenders must consider not only their own business needs, but also federal regulations that impact how they manage and access their borrowers’ data. In an increasingly tech-heavy mortgage environment, lenders are navigating new digital solutions to fix old problems. [Read more](/5-things-to-consider-when-choosing-digital-mortgage-vendor) --- [View sitemap](https://www.ncino.com/api/markdown/sitemap)