Smartr365 Improvement updates
TakealookatthelatestinnovativeimprovementsreleasedtoyourSmartr365 Platform:
Document Doc Dropbox
Followingsuccessfulbetatesting,theDocumentDropBoxisnowliveforall users.
Thispowerfulnewfeatureallowsadvisersandclientstouploaddocuments quickly,securely,andinbulk.Simplydraganddrophundredsoffiles,andourAI powereddocumentintelligencelayertakescareoftherest.
The system automatically:
Matcheseachfiletothecorrect caseandclient
Identifiesthedocumenttype anditspurpose
Filesitintothedocumentstore intherightlocation
Renamesitautomaticallyusinga consistentnamingconvention, client-name-documenttype.file-extension
Alluploadsappearinstantlyinthe relevantcaserecord,ensuringa smarter,faster,andmoreorganised waytomanagedocumentation.
Email History Tab Refresh
We’veimprovedtheEmailHistory experiencetomaketrackingsent emailssmootherandmore immediate.Whenanadvisersends anemail,theEmailHistorytabnow refreshesautomatically,sothenewly sentmessageappearsinstantly.No needtorefreshthepageorclick awayandbackagain.
Onceanemailissuccessfullysent, theEmailHistorytabupdates automatically.Themostrecently sentemailwillappearinthelistright away,withoutrequiringanymanual refresh.
Resolved
Theissueoffeesbeingaddedtothe loanonthepushthroughfrom SmartrtoConcertHubhasbeen resolvedinthelatestrelease.
Introducing Maia
WehavelaunchedMaia(MortgageAI Agent)bringingthesamepowerful AItechnologythatpowersSmart SearchandDocDropBox. What’s changed?
Ourchatbeaconintherighthand sideofthescreenisnowpoweredby Maiareadytobringyouexcitingnew features.Wewillbeaddingmore overthecomingweeksandmonths toMaia,bringingyouincredibly powerfulfeatures.
Refer your client for a free legal review
Referringyourclientisquickandeasy.Youcanreferyourclientforafreelegal reviewviatheJust/WealthMortgagesReferralHubHERE
Werecommenddoingthiswhileyou'rewiththeclient,soyoucanbooktheir appointmentdirectly.
During the meeting they will cover the following:
Tomaketheverymostoftheservice,pleasenotethefollowing:
Contact details
Ensurethatcustomerdetailsareenteredintherightformattoensureour communicationsarepresentedcorrectlyi.e.MrJohnSmithvsmrJOHNSMITH
Refer couples together
Ensurecouplesarereferredtogetherratherthanseparatelyasourservicesare usuallydeliveredinjointplanning
Contact methods
Providemultiplecontactmethods–mobileandhometelephonenumber,plus emailaddress.Weusecalls,SMSandemailtoengagewithyourclient
Online appointment bookings
Usetheonlinedirectbookingfacilitywherepossible,toprovideoptimalclient experience.
Mortgage News
MPowered to stop accepting new mortgage applications
MortgagelenderMPoweredhas announcedthatitisclosingitslending operationandwillnolongeraccept newmortgageapplications.
MPoweredwillnolongeracceptnew mortgageapplicationsafter5:30pm onTuesday28October2025andall MPowered’sproducts,including producttransfers,willbewithdrawn.
Allexistingmortgagecustomersand MPoweredbroker-partnerswill continuetobefullysupportedand MPoweredareproactivelycontacting customerstokeeptheminformed.
MQube,thepioneeringAIfintech businessfoundedin2019to revolutioniseloanoriginationthrough artificialintelligence,hasannounceda majorgrouprestructuringfollowinga strategicreview.Thecompanyisto decoupleitstechnologyandlending armsandfocussolelyonitscore technologybusiness,positioningits proprietaryAI-nativeplatformfor expansionacrossglobalmarkets.The grouphasbeenexploringdivestment optionstosupportthefuturegrowth ofitslendingarmMPoweredandwillbe appointingacorporateadvisorto implementthis.
StuartCheetham,CEOofMQube commented:“ThegrowthofbothMQube andMPoweredhasbeentrulyphenomenal, supportedbyafantasticteamofpeople, ourMQubeandMPoweredfamily. MPoweredhasshownwhat’spossible whencutting-edgetechnologymeets high-qualitymortgagelending.Theteam hassetnewstandardsforspeed, efficiency,andcustomerexperience.Our focusnowisonmakingthattechnology availabletolendersaroundtheworld.This movewillenablebothbusinessesto achievetheirfullpotential.”
Summary:
MPoweredwillstopacceptingnew mortgageapplicationsafter5:30pm Tuesday28October2025.
Offerswillcontinuetobeissueduntil 5:30pmMonday10November2025, afterwhichnonewofferscanbe made.
Allexistingoffersandcompletions remainunaffected.
Questionsforbrokersand distribution-partners
Renters’ Rights Bill becomes law
TheRenters’RightsBillhasbecomealawfollowingRoyalAssentonMonday 27October2025,markingthemostsignificantoverhauloftheprivaterented sectorindecades.
TheActintroducesaseriesofreformsaffectinglandlordsandlettingagents acrossEnglandandWales,withthegovernmentexpectedtoannouncethe timetableforimplementationinthecomingweeks.
Thenewlawestablishesnewrulesonrentincreases,advertising,andletting practices,aswellasaDecentHomesStandardforprivaterentals.Landlords willberequiredtosignuptoanewsectordatabaseandombudsman,with non-complianceattractingnewoffencesandcivilpenalties.
Someenforcementpowersforlocalauthoritieswillbeactivatedwithintwo months,enablingthemtodemandevidenceofcomplianceand,incertain cases,enterbusinesspremiseswithoutawarrant.Majorreforms,suchasthe endoffixed-termtenanciesandthenewpossessiongrounds,willtakeeffect onadateyettobeconfirmed.
Thegovernmenthasindicatedthatlandlordsandtenantswillreceive “sufficientnotice”beforethemainprovisionsareenacted.Industrybodies havecalledforatleastsixmonths’leadtimetoallowlandlordstopreparefor thechanges.Duringthisperiod,landlordsareadvisedtoreviewtheir documentation,inspectproperties,andensureagentsarereadyforthenew requirements.
Inthemeantime,ifyouhaveanylandlordclientscomingtoyouwith questions,theNationalResidentialLandlordsAssociation(NRLA)website hasagoodsummarythatislandlord-facing.
Renters’ Rights Bill gets Royal Assent – but what happens next? | NRLA
Join Lloyds Banking Group for an online cyber event
YouareinvitedtoattendthethirdeditionofLloydsBankingGroup'sonline cyberevent.
ThesessionwillbeledbyGarethThomasfromtheLBGSafeandSecure teamandwillfeatureaguestspeakerwhoisamortgagebroker.Theywill sharetheirpersonalexperienceofbeingthetargetofacyber-attack, offeringvaluableinsightsandlessonsforprofessionalsacrosstheindustry.
It's taking place on Friday 7 November at 10:00am to 10:30am
90%
SantanderhaveincreasedthemaximumLTVfrom85%to90%forremortgages withcapitalraising.
Thisgivesgreaterflexibilityforyourclientslookingtoreleaseequityforhome improvements,largepurchasesorotherpersonalgoals.
Important: Whereanyelementofcapitalraisingisfordebtconsolidation,the maximumLTVwillstayat85%.
Santanderhavealsoimprovedtheirdebttoincomelendingpolicy.Checkif SantandercouldlendtheamountyourclientneedsbygettinganAIP,asit’sa softcreditcheck.
Pipelinerules:AnyFMAssubmittedfrom6amonTuesday28Octoberwillbe assessedusingtheirnewlendingpolicy.Ifamaterialchangeismadetoan existingapplicationfrom6amonTuesday28October,thecasewillbe reassessedusingthenewlendingpolicy.
Santanderhaveupdatedtheiraffordabilitycalculatorandlendingcriteriaontheir websitetoreflectthischange.
Zurich Life and Pensions
Customers contact centre update
Mortgageapprovalsjumpstrongly:InSeptember,UKlenders approvedthemostmortgagessofarin2025,arisefromAugust, signallingreneweddemandandmomentuminthepurchasemarket.
Housepricesdefyheadwinds:NationwidedatashowedUKhouse pricesrose0.3%inOctober(versusSeptember),bringingannual growthto2.4%.Thisresilienceissurprisinggivenweakconsumer confidence.
CautiousbuyerbehaviouraheadoftheBudget:Analystswarnthat somebuyersareremainingonthesidelinesinanticipationoftaxor stampdutychangesintheAutumnBudget,whichmayslow transactionvolumesdespitepricestrength.
Greaterflexibilityinprotectionpolicies:Legal&Generalannounced for“increasingcover”policies(indexation)thatcustomerscanopt outofannualcoverincreasesforuptothreeconsecutiveyearswhile preservingtheoptiontoresumelater.
