ThirdLaw Intelligence builds AI that does the administrative work — so your mortgage advisors spend their time on clients, not paperwork. Designed for FCA Consumer Duty compliance. Built for UK firms.
Mortgage advisors are among the most skilled professionals in UK financial services. Yet the majority of their working week is consumed by tasks that add no direct value to the client relationship — and expose the firm to regulatory risk when they slip.
These are structural problems. They will not be solved by working harder or hiring more compliance staff. They require a different approach.
Each suitability report takes 45–90 minutes to write — longer for complex cases. Under the FCA’s Consumer Duty rules, these reports must demonstrate that advice was genuinely in the client’s best interest. That means detailed, individualised, consistent documentation. Every time. The result: your most expensive people spend half their day writing, not advising.
Waiting for payslips, bank statements, solicitor updates, and ID verification is a constant drain on advisor time. Chasing clients and third parties through a mix of email, phone, and post creates delays, frustration, and a poor client experience — often pushing completions past critical deadlines.
With 1.8 million mortgage renewals at risk annually, tracking every client’s fixed-rate end date across a growing book of business is a genuine operational challenge. A missed window means a client rolls onto a standard variable rate — and a complaint waiting to happen.
When suitability reports are written by hand, quality varies by advisor, by day, and by workload. Inconsistency creates compliance risk, increases PI insurance exposure, and makes it harder to demonstrate good Consumer Duty outcomes in an FCA review.
ThirdLaw Intelligence deploys purpose-built AI tools into your firm’s workflow — automating the time-consuming tasks while keeping your advisors in control of the advice itself.
Our AI reads the case data, fact-find, and product details, then drafts a complete, compliant suitability report in minutes — not hours. Advisors review, adjust, and approve. No blank-page problem. No formatting battles. Consistent quality on every case.
Automated, personalised follow-up with clients and solicitors — chasing outstanding documents at the right time, through the right channel, with the right tone. Your admin workload drops. Cases move faster. Clients feel looked after rather than pestered.
A live dashboard of your entire mortgage book, with automated alerts 90, 60, and 30 days ahead of each client’s renewal date. Never miss a window again. Convert more renewals. Demonstrate Consumer Duty proactivity to the regulator.
Adjust the numbers to match your firm. The calculator shows how much adviser time — and revenue capacity — AI could return to you each year.
Assumes 85% of suitability report time is automatable; 48 working weeks per year; £50/hr adviser cost; 3 hrs average total time per case. These are illustrative estimates — actual results will vary by firm.
We work with a small number of mortgage firms at a time — so we can move quickly and deliver real results. Tell us a little about your firm and we’ll be in touch within one working day to arrange a call.
No obligation. No sales pressure. We’ll show you exactly what’s possible, and you decide whether it’s right for your business.