Lending Agent Oversight
Open demo
Demo · part of the Lending Agent family

Your AR network,
supervised properly.

An operating system for principal firms. Register every AR. Detect risk early. Evidence supervision the way the FCA expects, with PS22/11 baked in.

See it in actionRead the docs
No sign-upThree principal-firm skinsPS22/11-aligned
Heritage Mortgage Network
Imogen
Critical
32
Awaiting FCA
3
Overdue
7
Due 30d
12
Top 10 highest-risk
Pemberton Mortgages
84
Holyrood Lending
76
Whitechapel Mortgages
64
Larkspur Mortgage
52
Sherwood Home Finance
41
Caldicott Mortgages
28
How it works

Three steps. One supervision loop. Built for PS22/11.

Register every AR, detect risk early, evidence supervision. The job already exists. We just stop it living in spreadsheets.

01

Register every AR

One row per AR. FRN, permissions, controllers, last review, supporting an Important Business Service, self-employed flag. The register the FCA expects you to keep, in a shape that doesn't go stale.

02

Detect risk early

Composite risk scores from complaints, breaches, file reviews, MI returns, and the time since you last looked. Five bands, drillable to source. The amber and red bands surface before harm does.

03

Evidence supervision

Breach reports, file reviews, MI returns, annual fitness packets. Every step timestamped, every sign-off attributed, every record exportable. Hash-chained audit log, replayable for SUP 12.6A.

Features

What makes the loop work

Six choices that turn supervision from a quarterly scramble into a continuous, evidenced practice.

Composite risk scoring

One score per AR, derived from the things you already track. Five bands. Drill into any score to see exactly how it was built. Tunable weights with a backtest.

5
bands
5
inputs
100%
explainable

Breach workflow with FCA timing

SUP 15 notification clocks built in. The countdown is the centrepiece, because the deadline is the only thing that matters. Step-up auth on the Notify FCA action.

File review with regulatory rubric

MCOB, ICOBS, CONC checklists ship with the product. Score every case against the rule that actually applies, with handbook codes inline.

AR self-service MI returns

Quarterly returns submitted by the AR, visible to the principal the moment they land. No more spreadsheet email-tag, no more chase.

Annual fitness review packets

Risk trajectory, breaches, reviews, MI, conduct events, Consumer Duty outcomes. One scrolling document. Director sign-off built in.

Multi-vertical skinning

Mortgage, GI, credit broking. Each principal firm gets its own brand and its own rubric. The platform doesn't care which vertical you supervise.

Compared to other tools

Same job. Done in code instead of in spreadsheets.

Principal-firm oversight is a real operating discipline. The way it's been delivered in market has not kept up with PS22/11.

How it tends to work today

  • Network maintained as a spreadsheet, often two spreadsheets that disagree

  • Breach reporting via email, with a separate spreadsheet tracking SUP 15 deadlines

  • File reviews on paper with a rubric photocopied from somebody's last pilot

  • Quarterly MI returns chased by email, eventually transcribed into the master spreadsheet

  • Annual review packet is a 30-page Word document compiled the week before the deadline

  • Audit trail lives in email threads and inboxes that nobody can find when an FCA visit lands

How Lending Agent Oversight does it

  • Live register with composite risk scoring, drillable to source. Every change attributed and timestamped.

  • Breach workflow with the SUP 15 clock built in. Three timestamps per breach, FCA-notification countdown front and centre.

  • Per-vertical regulatory rubric (MCOB, ICOBS, CONC) shipped with the product. Score per item, root-cause taxonomy aggregates.

  • AR-side self-service submission. The principal sees the return the moment it's submitted, anomaly-flagged automatically.

  • Continuous aggregation. The packet is always one click away with risk trajectory, breaches, reviews, MI, and Consumer Duty outcomes pre-filled.

  • Hash-chained immutable audit log, replayable for SUP 12.6A reviews. Every supervisory action recorded, attributed, retrievable.

We don't name competitors. The principle is widely shared across UK principal-firm tooling. The implementation choices vary, and the implementation choices are where this product earns its keep.

Who this is for

Two audiences, one shared surface

Principal compliance and AR are both real users. Both surfaces are designed for daily use, not occasional inspection.

For principal firms

If you supervise an AR network

Mortgage broking, general insurance, investment advice, credit broking. PS22/11 turned 'you should supervise' into 'you must evidence supervision'. This is the operating system for that mandate.

Read the adoption path
For ARs

If you carry on regulated activity under a principal

Submit MI returns in seconds. File breaches with the SUP 15 clock visible. See your own risk score and your principal's recent comms. Designed so the AR's own life is easier, not just the principal's.

Read the adoption path
FAQ

Things people ask

Pulled from the questions that came up while designing the product.