Nottingham Building Society has announced the full market launch of its IDI (Inviting Difference In) Broker Portal, its new proprietary mortgage platform powered by MQube’s Origo technology.
The platform is designed to transform the mortgage journey for brokers and their clients, combining AI-driven processing with a faster, more intuitive application process.
The Society partnered with L&C at the end of 2024 and across the first half of 2025 to trial the effectiveness of the platform. Following the successful phased trial, the platform has now been rolled out to all brokers.
The rollout of the new platform, which automates the entire underwriting process, will enable The Nottingham to process and make full decisions on residential mortgage applications significantly more quickly than the market average of 10-14 days.
MQube’s Origo technology can assess around 20,000 data points in real time thanks to its AI and machine learning capabilities, automatically validating documents and affordability, and only requesting additional information when it’s needed.
The platform is fully configurable to lending criteria and risk appetite, allowing Nottingham Building Society to respond more quickly to market needs and deliver smarter, more personalised mortgage options for a wider range of customers.
While residential applications are the first products and propositions on the platform, Nottingham Building Society has confirmed that its buy-to-let, foreign national applications and future propositions will be adopted by the new technology as part of the ongoing phased integration.
Alongside this, the society also confirmed it had partnered with LendingMetrics to adopt new auto-assisted underwriting technology enabling the society to speed up its decision-making process for mortgage applications via intermediaries.
Sue Hayes, CEO at Nottingham Building Society, said: “We have spent the last two years building and upgrading a lot of our technology. Our partnership with MQube however has been less than 12 months and is transformational for us. The IDI (Inviting Difference In) Broker Portal will also enable us to move into markets, to use different data sources, and to be able to offer a mortgage to people who would find it very difficult to get one at all.
“By modernising our banking operations and lending decision-making process, alongside our customer and broker facing interfaces, we aim to stand out from the crowd as more people are finding themselves as categorised as non-standard borrowers in the UK.
“The financial landscape is rapidly evolving, and customers have expectations of seamless, technology-driven financial solutions. Our combination of great people, research, products, and technology will allow us to move in and out of markets to fully support different types of mortgages needs as different demographics change.”
Stuart Cheetham, CEO of MQube, added: "We’re proud to partner with Nottingham Building Society on the launch of their mortgage transformation project. With our AI-powered Origo platform at the core, more brokers and borrowers will now benefit from faster decisions and a simpler, more certain mortgage journey. It’s fantastic to see Nottingham leading the way for lenders by embracing innovation that truly improves the mortgage experience.”
Mark Harrington, CEO at L&C Mortgages, commented: “We have enjoyed a close relationship with Nottingham Building Society for many years and so were delighted to pilot the launch of the new platform and provide controlled testing and feedback in a live environment.
“Nottingham has always valued intermediaries and is a forward-thinking lender, which is clearly reflected in its next stage of transformation through the partnership with MQube and its engagement with our team throughout the pilot. The society’s drive to streamline its processes is sure to benefit advisers and their customers, as the new portal rolls out and the proposition expands further.”
