A former mortgage broker has built a new AI system that "addresses one of the most persistent revenue leaks in the mortgage broker market".
The new platform, Go Automation, contacts brokers' clients throughout their fixed rate term via WhatsApp and automatically books remortgage appointments on the exact date their specific lender releases their retention rates.
With UK Finance data showing that 1.8 million fixed rate mortgages are expiring in 2026 and 84% of clients are renewing with their current lender without a full market review, the founder hopes the system can "reclaim the client relationship from lenders".
The platform delivers client communication through WhatsApp, where it says response rates are "dramatically higher than traditional alternatives". Its research shows that WhatsApp achieves a 98% open rate compared to 20% for email, and a 45% response rate compared to just 6% for email.
With over 40 million WhatsApp users in the UK, the platform meets clients where they already are. For clients not on WhatsApp, the system automatically reverts to email.
How does the system work?
From the moment a mortgage completes, the system begins a structured communication programme with the client. Throughout the fixed rate term, clients receive regular touchpoints with customised messaging, including educational content explaining why a full market review matters, keeping the broker’s brand front of mind and supporting Consumer Duty compliance obligations.
At six months before expiry, the appointment booking AI activates. It contacts the client, triages their situation, and books the appointment at the optimal time. Clients with additional needs, such as further borrowing or a planned house move, are booked immediately at the six-month mark. Clients with no additional needs are booked for the specific date their lender releases their retention rates, so the adviser has a real rate to compare against the market.
Ahead of the meeting, the AI gathers up-to-date information on the client’s current circumstances, including any changes in income or personal situation, and where required, requests initial proof of income documents via WhatsApp.
The system integrates directly with Outlook, Gmail and Calendly, pushing appointments into adviser calendars automatically, complete with video conferencing links for Zoom, Teams or Google Meet. If a lender changes their rate release schedule, a correction workflow activates automatically to reschedule affected appointments and notify clients.
The system’s regular client communication throughout the fixed rate term also directly supports Consumer Duty obligations, providing an evidenced record of client contact and demonstrating that clients were kept informed and their current circumstances understood before advice was given. Every WhatsApp conversation is logged, timestamped, and searchable, providing a full audit trail ready for any FCA or FOS request.
Annmarie Baylan, former mortgage broker and founder of Go Automation, commented: "The problem has never been that brokers don’t want to follow up. It’s that doing it consistently, at the right time, for the right lender, across hundreds of clients with different end dates, is simply impossible to do manually alongside running a busy advice business. I built this because I lived that problem. This goes way beyond a reminder system.”
