Purpose-built for mortgage servicing operations
Real results from mortgage servicing operations
Mortgage-specific vulnerability and fair outcomes
Our AI agents detect financial stress indicators in real-time: mortgage arrears anxiety, job loss mentions, health issues, bereavement.
Action: Immediate escalation to trained mortgage specialists with full conversation context. All vulnerability flags logged for Consumer Duty reporting.
Payment holiday agents assess affordability and automatically offer appropriate forbearance options - payment holidays, term extensions, interest-only periods.
Result: Consistent application of fair treatment principles across all customer interactions.
AI agents explain complex mortgage concepts in plain English: how payment holidays affect total interest, what ERCs mean, how overpayments reduce term.
Result: Customers understand their options and make informed decisions.
Every payment holiday approved, every ERC quoted, every forbearance option offered - all logged with decision reasoning.
Result: Full documentation for FCA compliance reviews and customer complaints.
Beyond general FCA Consumer Duty, our mortgage servicing agents comply with:
Automated ERC explanations, annual statements, arrears statements, and regulatory statements - all MCOB-compliant with full audit trail
Every forbearance decision logged with reasoning. Payment holiday eligibility explained. Arrears escalation automated based on FCA guidance
AI explains payment holiday impacts: Interest accrual • Term extension • Future payment amounts • Credit file implications
Uses your existing calculation engine (same as human agents). Any errors covered by E&O insurance. 0 ERC disputes across 12,000+ quotes generated
Coverage: £5M E&O insurance specifically for mortgage servicing AI agent regulatory compliance
We put our fees on the line
If our AI agents don't handle 42% of interactions autonomously, we refund 100% of our fees. No questions asked.
E&O insurance covers regulatory fines arising from AI agent decisions. You're protected if something goes wrong.
We integrate with any REST API-enabled platform. If we can't integrate with your servicing system, we refund your fee.
Why we can offer these guarantees: We've deployed 15+ systems with 100% success rate. We know this works.
Instantly. Unlike human teams, AI agents handle volume spikes without hiring, training, or wait time increases. Your capacity scales with demand.
No. We integrate via REST API with your existing platform. Your systems remain in place.
Yes - based on your lender criteria. The AI checks eligibility (payment history, no existing holidays, account in good standing) and auto-approves qualifying requests. Edge cases escalate to humans.
Our AI detects vulnerability indicators (financial stress, health issues, bereavement) and immediately escalates to trained mortgage specialists. All vulnerability flags are logged for Consumer Duty compliance.
Our AI agents call your existing ERC calculation engine in real-time - the same system your agents use. We don't estimate or approximate. The figures are exactly what the customer would get from a human agent.
The AI agent assesses complexity in real-time. If a customer is in arrears, mentions financial hardship, or needs manual underwriting, the agent escalates to a human specialist with full context.
We'll analyze your operations and show you exactly what AI agents can handle autonomously - and what it will save you.
Get Your AI Agent AssessmentOr email us at hello@rel8.cx