Mortgage Brain, the leading technology provider for the mortgage industry, and Lloyds Banking Group, the largest UK lender, have joined forces to deliver the first digital Full Mortgage Application (FMA) for Halifax via Submissions Brain.
Mortgage brokers, networks, and users of third-party CRM providers, can now progress from sourcing to submission in one seamless journey without the need for rekeying data or duplicating multiple processes.
Halifax’s FMA will be delivered via Submissions Brain and will save brokers an average of 30 minutes on every application. Automatic pre-population of data means there are fewer errors leading to quicker, more accurate lending decisions for end customers.
At a VIP client event in September, Mortgage Brain officially unveiled its new Submissions Brain module, with the first standardised Decision in Principle (DIP) form covering all lenders who subscribe to the service.
New Submissions Brain allows brokers to capture and submit client data to top UK lenders using a single, standardised form, right up to DIP confirmation. In many instances the lender will automatically return a decision directly via Submissions Brain. Those submitting a DIP to Halifax can now continue to FMA.
New Submissions Brain can be used in three distinct ways:
- As a standalone module, via the Mortgage Brain Hub. Any broker can register with Mortgage Brain Hub, safely store their lender credentials and submit DIPs directly.
- Via CRM Brain, our new cloud-based CRM system. A seamless integration for all users of CRM Brain to submit directly to lenders with no or limited re-keying.
- Through an API integration with third-party CRM systems. We are making our technology available to intermediary firms directly and our peers to allow anyone to connect to the underlying pipework.
Key benefits to brokers:
- One login, one form, one set of client data to access all lenders who are subscribed.
- Removes the need to navigate around individual lender systems and forms.
- Saves time.
- Simple to use and easy to adopt.
- Flexible to fit with broker needs as an online system.
- Seamless connection with other Mortgage Brain modules with client data shared across modules.
Key benefits to lenders:
- Access to broader distribution via a single integration.
- Reduced IT and operational costs.
- Improves broker experience, potentially leading to an increase in business for those lenders.
Neil Wyatt, Sales & Marketing Director, Mortgage Brain comments:
“This partnership is not just defined by what we have delivered for the mortgage industry, which is revolutionary in itself. But it’s also about how we delivered it – through true partnership and collaboration. Mortgage Brain and Lloyds Banking Group have set a new standard for how lenders and technology providers can raise the bar together, delivering real benefits across the industry. In a market where we hear frequently about the need for industry collaboration, we have seized the opportunity and together produced something truly innovative to benefit all – lenders, intermediaries and, most importantly, the end borrower. This partnership goes to prove that with the right governance, collaboration, and shared end goal, industrywide transformation is truly possible.”
Frances Cassidy, Head of Strategic and Technology Partnerships, Lloyds Banking Group, added:
“At Lloyds Banking Group, we are committed to transforming the mortgage experience—making it simpler, faster, and more accurate for brokers and their customers. Launching our first fully digital Full Mortgage Application with Mortgage Brain for Halifax marks a major milestone in that journey. By removing duplication and streamlining submissions, we’re enabling brokers to spend more time advising clients, while delivering quicker, more consistent decisions for customers.
"This collaboration reflects our broader ambition to drive innovation across the intermediary market, and demonstrates how strategic partnerships can unlock real value for the entire ecosystem.”
