Evidence income and affordability in minutes
Give lenders the income and affordability evidence they need, straight from the client's bank, so applications move faster and fall out less.
Documents slow applications down
The hold-up is rarely the decision, it is getting the evidence ready.
Statements and payslips take days to arrive.
Irregular income is tough to evidence on paper.
Messy paperwork means more questions and delay.
Manual data entry is slow and error-prone.
What open banking does for brokers
One open banking connection covers all three, with no extra systems to run.
Why brokers use it
Evidence ready in minutes, not days.
Clean evidence means fewer questions from lenders.
Show real income, not a single document.
No chasing, no rekeying.
The data points that matter for mortgage brokers
One connection surfaces exactly what you need to make a confident decision. See how it works.
A self-employed applicant's income is hard to evidence on paper. One open banking connection shows fourteen months of real income, averages out the seasonality and produces a clean affordability figure the lender accepts, so the case does not stall.
Open banking for mortgage brokers: FAQs
A growing number of UK lenders use open banking affordability directly, and it provides a clear, consistent evidence trail that supports the application either way.
It reads real income straight from the bank across accounts, which is usually faster and more complete than assembling accounts, SA302s and statements.
Access is read-only under FCA authorisation and encrypted in transit and at rest. The customer consents to share specific accounts for a limited period, only mortgage brokers working on the case see the result, and the customer can withdraw access at any time.
Move applications faster
Book a demo and we will evidence income and affordability on a live connection.