What is Mortgage Hub?

What is Mortgage Hub?

Introducing our cost-effective, rapid deployment mortgage origination platform designed for lenders to offer seamless, channel-agnostic applications via brokers or direct to consumers.

Our solution streamlines the mortgage process through extensive 'best-in class' ecosystem integrations and a digital-first approach, ensuring compliance and efficiency.

Rob Hanks, Originations Product Manager
Target Group
Mortgage Hub desktop and mobile interface
Asset classes served

Asset classes served

After extensive research with brokers, lenders, and other stakeholders, Mortgage Hub currently serves the following asset classes. Watch this space as we plan to bring on many more in 2025.

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Limited Company Buy to Let (BTL)

Buy to Let 

Residential Owner Occupied (OO)

Mortgage Hub Mobile and laptop view

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Addressing industry challenges

Lenders face increasing challenges in today's competitive mortgage landscape:

  • Legacy infrastructure

    Outdated systems drain resources and impede digital progress, stifling innovation

  • Threat of digital entrants

    Agile newcomers raise the bar with user-friendly, tech-savvy offerings

  • Enhanced customer expectations

    Customers demand seamless tech integration without sacrificing personalised service

  • Cost challenges

    Balancing immediate fiscal needs with crucial long-term tech investments

  • Administrative burden

    Bureaucratic processes create bottlenecks, frustrating customers and staff alike.

Streamlining mortgage originations

Streamlining mortgage originations

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For Brokers: Streamline your workflow

Empower your brokerage with seamless integration and real-time insights.

Key features:

  • Broker portal: Access a centralised hub for managing all your client applications
  • Real-time updates: Stay informed with live status updates on all cases, reducing the need for follow-ups
  • Document management: Effortlessly upload and request necessary documents, ensuring a smooth transaction process.
Male female

For Underwriters: Enhance your decision-making

Precision and efficiency in every underwriting decision.

Key features:

  • Comprehensive case management: Manage applications efficiently with a full suite of tools designed for underwriters
  • Full underwriting capabilities: Access detailed borrower profiles and financial data to make informed decisions quickly
  • Automated valuation models: Leverage technology to assess property values accurately and efficiently.

For Lenders: Accelerate your approval process

Real time data-driven decisions at your fingertips.

Key features:

  • Decision engines: Utilise advanced algorithms to streamline the approval process and reduce time to decision
  • Open Banking integration: Gain insights from real-time financial data to enhance decision accuracy
  • Product updates: Stay ahead with the latest product offerings and market trends, ensuring you always have the best solutions for your clients.
Mortgage Hub delivers

Mortgage Hub delivers

Mortgage Hub solves the challenges that have plagued lenders, brokers and customers in the past. 

Designed for the digital age, it streamlines the process for everyone, making it the smart choice for originations. 

Agility

The ability to react to market conditions quickly to deliver innovative products

Competitive edge

Through improved market responsiveness 

Reduced time to offer

Mortgage Hub provides a Decision in Principle (DiP) in minutes

Greater certainty

Surety of decision for borrowers (i.e. Improve underwriting quality to reduce time and cost)

Superior User Experience (UX)

Our modernised journey creates a truly customer centric experience

Application Programming Interface (API) connectivity

Enables cutting-edge integrations so you stay ahead of the curve

Reduced administration 

Streamlined processes minimise errors and delays

Collaboration by design

Built for brokers, lenders and customers to stay connected throughout.

Holistic view

Provides a holistic view informed by real time data enabling informed decision making for lenders, brokers and customers.

Empowering customers

Empowering customers

Empower your customers with a seamless mortgage journey through our innovative mortgage origination Software as a Service (SaaS) platform. Designed with lenders, brokers and borrowers in mind, our solution offers:

 

  • Effortless applications

    Apply anytime, anywhere - through trusted brokers or directly online

  • Personalised experience

    Designed with User Experience (UX) at its core, to provide guidance and support throughout the mortgage process

  • Quicker decisions

    Cutting edge technology delivers a Decision in Principle (DiP) in minutes

  • Secure and compliant

    State-of-the-art security through cloud based applications

  • Streamlined process

    Best-in-class integrations eliminate paperwork and reduce burden and stress.

Our digital-first approach puts your customers at the heart of the mortgage experience, making homeownership dreams a reality with speed, simplicity, and confidence.
 

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The technology powering our solution

The technology powering our solution

Mortgage Hub is built on the Amazon Web Services cloud based technology stack for a fully secure, resilient, scalable and future proofed platform.

Key components include:

AWS Cloud native 

Ensuring robustness and scalability.

Secure and resilient 

Follows AWS best practice for data protection and access control.

Low/No operational overhead

Software as a Service (SaaS) model.

Operable by product engineers

No dedicated DevOps expertise required. 

Provisioned via infrastructure as code

For consistency in configuration and set-up

Microservices architecture

Event driven backend for flexibility and scalability

Key integrations
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Key integrations

Mortgage Hub leverages market-leading integrations to empower brokers and lenders, centralising application management within a single hub. Enjoy automated updates and a streamlined, digital, paperless process with the following integrations.

  • Provenir decisioning platform

  • Address search

  • Bank account verification

  • Secure email

  • Companies House

  • FCA

  • Pay 360 card payments

  • OKTA

  • Valuations

  • Property Intelligence

  • Servicing

  • Open Banking

Meet our originations experts

Meet our originations experts

Can you tell us more about what your role involves?

As Product Manager I provide strategic direction for Mortgage Hub, aiming to continually improve the overall experience for everyone involved in the mortgage process. By replacing traditional processes with data-driven decision-making, the team and I are working to reduce the reliance on outdated and inefficient practices that have historically contributed to notoriously slow mortgage originations. My goal is to streamline the process, making it faster and more efficient, while ensuring that all stakeholders benefit from a more seamless and effective system. Through these efforts, I'm committed to transforming the mortgage industry into a more agile and responsive environment.

Tell us about your experience before joining Target Group

I've amassed over 25 years of experience in the mortgage originations software field. My expertise has supported and led systems development for a mix of start-ups and major lenders, including HSBC and Tesco Bank. Before joinging Target group I was pivotal in developing Capita Mortgages Software Solutions.

What do you like to do outside of work?

Outside of work, I love spending time in my garden and on the cooler winter nights astronomy with my telescope.

Can you tell us more about what your role involves?

As the Sales and Growth Lead at Target Group, I'm responsible for overseeing the Mortgage Hub originations platform and raising awareness of the broader solutions we offer. I collaborate with banks, building societies, lenders, and partners to create a customer-centric journey, ensuring that the customer is at the heart of our organisation.

My team and I aim to become a trusted partner for our lender community, working closely with you to achieve your digital transformation goals. I believe that partnerships are crucial in this ever-evolving digital landscape, and the Target team is committed to providing exceptional support to help us achieve our shared short, medium, and long-term objectives.

Tell us about your experience before joining Target Group

I've 24 years of experience in financial services, during which I gained my qualifications in mortgages, protection, equity release, and investment and pensions. In my earlier years in the industry, I focused on building my career while acquiring these essential credentials.Throughout my journey, I have amassed a wealth of experience by working closely with both brokers and lenders. I've developed a keen interest in collaborating with lenders to facilitate their digital transformation journeys, aiming to enhance efficiency and customer experience in the mortgage sector.

What do you like to do outside of work?

I like to go on walks or run which usually results in a nice coffee shop reward! I also love to cook and try new recipes.

Tell us about your role at Target Group?

As Product Owner, I'm responsible for the day-to-day decision making for the Mortgage Hub team to help them deliver Target's product vision for Mortgage Hub - a digital-first origination app built upon best in class technology. With my decade and a half of experience in the industry, I bring a wealth of knowledge about the market, the essential features this type of software must provide, and innovative ways to make mortgage origination fit for the next generation of homeowners.

Tell us about your experience before joining Target Group

I've worked in mortgage originations for almost 15 years, primarily focusing on developing customer and broker digital journeys. I began my role as a Product Owner in 2018, where I designed integrations, collaborated with multiple agile teams, and worked directly with clients to bring their vision to life.

What do you like to do outside of work?

Outside of work, I'm a keen musician, a foodie, and enjoy walking my dog.

Can you tell us more about what your role involves?

As a Subject Matter Expert on the originations team, I help curate the product roadmap by meticulously identifying and prioritising new features and functionalities that will deliver maximum value to our clients. This involves a deep understanding of both business needs and technological advancements, enabling me to anticipate trends and incorporate forward-thinking solutions into the product.

I work closely with cross-functional teams, including developers, designers, and analysts, to translate strategic goals into refined and actionable development plans. Leveraging over a decade of industry experience, I also engage with brokers and lenders to gather feedback and insights, ensuring that the product not only meets but exceeds user expectations.In addition to roadmap curation, I play a critical role in fostering innovation within the product through new features, ensuring that we lead the market by offering cutting-edge solutions that are perfectly aligned with the needs of all our clients.

Tell us about your experience before joining Target Group

I'm a mortgage origination systems expert with over a decade of experience. Combining a strong background in business and technology, I specialise in delivering digital transformation aligned with my clients' strategic goals. I value the power of relationships, understanding that strong partnerships are essential to achieving sustainable long-term growth. I am dedicated to driving change that enhances operational efficiency and business success. I am committed to leveraging technology to create meaningful, lasting impact in the industry.

What do you like to do outside of work?

Outside of work, I like to teach mindfulness and meditation. I'm a keen mindfulness practitioner, Buddhist enthusiast and a trained life coach. I'm also a mother of two very emotionally intelligent children that hold me accountable more often than I like!

Mortgage Hub - The future is now!

Mortgage Hub - The future is now!

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