Harrowell

AI systems for property lenders

More deals through the same team, without more hires.

We build AI systems that do the reading, checking, chasing and writing around every deal, from the first broker enquiry to the credit paper. Your team makes the calls.

Here is the first one most lenders start with: deal intake.

The broker sends

Sam, broker. Auction purchase

Client is buying a three-bed terrace at auction. Hammer price £185,000.

Looking for £128,000 over 12 months, first charge. Light refurb, about £22,000, funded by the client. Value after works around £240,000 per the agent. Exit is a refinance onto buy-to-let.

Borrower is an SPV, two experienced landlords.

Can you give me terms today? The auction house wants a DIP by Friday.

Your team sees

Broker enquiry, checked

Fits your rules. But nothing shows the client has the £79,000 this deal needs.

Loan
£128,000, 12 months, first charge
LTV
69% of purchase, 53% after works
Client's own money
£57,000 deposit plus £22,000 works
Deadline
DIP by Friday
  • Fine: Loan size, LTV, first charge, residential
  • Look at: Value after works is the agent's figure, not a valuation

Reply to Sam, written for you

Hi Sam, this fits our criteria: £128,000 is 69% of the purchase price. For a DIP by Friday, please send bank statements showing the client's £79,000 for the deposit and the works. Then we will book the valuation.

A sample. The enquiry and the lending rules are invented.

What we build for lenders

From the first enquiry to the credit paper.

  1. Stop reading every no

    Deal intake and screening

    Every enquiry and its documents checked against your rules, what is missing chased, the reply to the broker written.

  2. Credit papers in hours, not days

    Credit paper drafts

    The case written up in your format from the pack, with the judgement sections left for your underwriter.

  3. More of the right deals

    Broker and borrower finding

    The brokers and borrowers who fit your criteria, found and briefed for your BDMs before every call.

  4. No surprises on the book

    Portfolio alerts

    Loans nearing term, missed milestones and exits that slip, flagged to the right person before they become problems.

How it works.

  1. Week 1

    We sit with your team and find where the hours go between enquiry and completion.

  2. Weeks 2 to 6

    We build the first system on your inbox and your lending rules, tested on your past cases.

  3. Every month

    Your team approves what goes out. We run it, improve it and build the next one.

You own it, and it runs in your own accounts. If it does not do what we agreed, we fix it at our cost.

Tell us where your team loses hours.

A 20 minute call. We will tell you what we would build first, or that we would not build anything.

Book a call