Mortgage Brain and Lloyds Banking Group have joined forces to deliver the first digital full mortgage application (FMA) for Halifax via Submissions Brain.
Mortgage brokers, networks, and users of third-party CRM providers can now progress from sourcing to submission in one seamless journey without the need for rekeying data or duplicating multiple processes.
Halifax’s FMA will be delivered via Submissions Brain and will save brokers an average of 30 minutes on every application. Automatic pre-population of data means there are fewer errors leading to quicker, more accurate lending decisions for customers.
The new Submissions Brain module allows brokers to capture and submit client data to UK lenders using a single, standardised form, right up to DIP confirmation. In many instances the lender will automatically return a decision directly via Submissions Brain. Those submitting a DIP to Halifax can now continue to FMA.
New Submissions Brain can be used in three distinct ways:
• As a standalone module, via the Mortgage Brain Hub. Any broker can register with Mortgage Brain Hub, safely store their lender credentials and submit DIPs directly.
• Via CRM Brain, the new cloud-based CRM system. A seamless integration for all users of CRM Brain to submit directly to lenders with no or limited re-keying.
• Through an API integration with third-party CRM systems. Mortgage Brain is making its technology available to intermediary firms directly and our peers to allow anyone to connect to the underlying pipework.
Neil Wyatt, sales and marketing director at Mortgage Brain commented: “This partnership is not just defined by what we have delivered for the mortgage industry, which is revolutionary in itself. But it’s also about how we delivered it – through true partnership and collaboration. Mortgage Brain and Lloyds Banking Group have set a new standard for how lenders and technology providers can raise the bar together, delivering real benefits across the industry. In a market where we hear frequently about the need for industry collaboration, we have seized the opportunity and together produced something truly innovative to benefit all – lenders, intermediaries and, most importantly, the end borrower. This partnership goes to prove that with the right governance, collaboration, and shared end goal, industrywide transformation is truly possible.”
Frances Cassidy, head of strategic and technology partnerships at Lloyds Banking Group, added: “At Lloyds Banking Group, we are committed to transforming the mortgage experience — making it simpler, faster, and more accurate for brokers and their customers. Launching our first fully digital full mortgage application with Mortgage Brain for Halifax marks a major milestone in that journey. By removing duplication and streamlining submissions, we’re enabling brokers to spend more time advising clients, while delivering quicker, more consistent decisions for customers.
"This collaboration reflects our broader ambition to drive innovation across the intermediary market, and demonstrates how strategic partnerships can unlock real value for the entire ecosystem.”
