Working Smarter in a Harder Mortgage Market: The Key, Mortgage Brain and mte Bob Jose

What’s on the table?  Challenges in the market  Working smarter – your sales process  Working harder – making every sale count  Help is at hand!

Challenges  Regulation!  TCF!  Collapsing house sales!  Fewer products, fewer lenders!  Help is at hand!

Working Smarter  Point of sale  Administration  Servicing your clients  Reducing time  Increasing efficiency The Key!

Why The Key?  Specifically made for Mortgage business and Financial Services sales  Work online and offline  Increases adviser productivity:  Direct access for clients and introducers  Fully supports straight through processing  Integration with 3 rd party suppliers – to complete the sale  Sales processes: Estate agents, broker firms, networks  Over 4,500 contracted users

The Sales Process

Key benefits  Customise sales process  Stream line delivery of compliance support and monitor  Integration with your process  Enable more control  Focus on writing more business  One supplier for POS, sourcing and submission  Cost effective – Core software/customised application

Adviser benefits  Lead management – Web enabled  Client data capture  Recording all key stage of sales process  Never rekey in data!  No paper files to submit to compliance  Control over advisers; pipeline management, commission reconciliation, etc.  Integration with mte and other 3 rd parties

Point of sales and compliance functions  Can be configured on an individual and product basis  Permissions based around a customised workflow  Remote file checking will full access to supporting documentation  Individuals can have an allocated risk weighting and products can be high risk for random file checks

Working harder  Make every sale count!  General Insurance  Term assurance  Conveyancing  Etc…..

Integration with leading providers  Web enabled lead capture  SMS text messaging  Adviser commissions  3 rd party links  AssureWeb  E-conveyancer  Exchange  Paymentshield  Others….

Track record – major implementations  Alexander Hall  Cobalt Capital  Connells  Hamptons International  Mortgages By Phone (Connells)  Moneypilot  Peter Alan  Pink Home Loans  Sesame  Thousands of individual advisers

Mte integration  9 out of top 10 Lender  36 Lender/Packagers  Approaching 1 million transactions to date  Cira £50bn mortgage per annum

Mortgage Products  Turnaround  Accuracy  Automated updates from over 60 lenders  Checking and double checking data  Lender verification  KFI checking

Research turnaround and accuracy Responses from 29 lenders – Jan 2008

 Capturing client details into The Key  Creating an IDD and Fact Find  Sourcing a mortgage and creating a KFI  Completing an application electronically Demonstration

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 Working your client database  Stream lining the sales process  Helping with TCF  Generating more revenue per case Working Smarter