## The tightest response window in professional services Across every professional services vertical we work with, mortgage and protection enquiries decay fastest. A homebuyer or remortgager who submits an enquiry has, statistically, already contacted three other brokers within the following hour. Rate movements, sold-STC deadlines and product-availability windows compress the decision further. If your average response time is measured in hours, you have already handed a significant proportion of your leads to a competitor. ## Why the maths is worse than most brokers realise The commonly cited Kellogg data shows that response within 60 seconds converts roughly 4x better than 30 minutes, and 100x better than a day. Mortgage-specific broker data typically shows an even steeper curve because comparison-site leads (Unbiased, VouchedFor, Mortgage Advice Bureau referrals, Facebook lead ads) are sold or matched to multiple brokers within minutes. ## What a compliant sub-60-second reply looks like This is where brokers understandably hesitate. Regulated advice can't be automated, and any communication with a prospective client is potentially in scope of FCA rules. But the initial reply — introducing yourself, confirming you can help, capturing basic factual information, and booking a fact-find appointment — is not regulated advice. Our [AI for Mortgage Brokers and IFAs](/mortgage-brokers) is co-built with your compliance officer to make that first-minute contact fully compliant and fully audit-trailed, with the actual advice conversation ring-fenced for the adviser. ## The information the AI can (and can't) collect in that first minute The AI captures: full name, contact details, property price, deposit size, employment type, income band, credit-file self-declaration, timeline, whether the enquiry is a purchase, remortgage or product transfer, and whether protection is needed. What the AI does not do: assess affordability against lender criteria, recommend a specific product, comment on suitability, or handle vulnerable-customer indicators without escalation. Suspected vulnerability triggers immediate human-only handling. ## Fact-find booking is the real conversion event The correct measurement of a mortgage-broker enquiry system isn't 'was a reply sent in 60 seconds'. It's 'did a qualified fact-find land in the diary'. A booked fact-find is worth roughly 4–8x an unqualified enquiry, and the AI's job is to move enquiries to booked, prepared, calendar-confirmed appointments — with the fact-find documents already sent — before the human adviser sees the case. ## Product transfers, remortgages and protection reviews The same speed-to-lead maths applies to your existing book. A remortgage window opening five months before expiry, a life-cover review triggered by a new baby, an income-protection review after a pay rise — these are all time-sensitive events where automated, personal-feeling outreach dramatically outperforms 'we'll email everyone in November'. Retention automation on an established book typically produces more revenue per hour of adviser time than new-business acquisition. ## FCA compliance done right, not avoided Every message library is co-written with the firm's compliance officer; every interaction is logged to the client file with timestamps; risk warnings, opt-outs and data-handling language are baked in; and vulnerable-customer flags trigger human-only handling per the FCA Consumer Duty. Done correctly, the audit trail is stronger than an all-human workflow because nothing happens off-system. ## Where to start The Starter package for mortgage brokers and IFAs starts from £297/month — see [pricing](/pricing). Firms with heavier comparison-site lead volumes benefit from the Professional tier for full CRM automation. ## Book a free 30-minute AI audit We'll review a sample of your recent enquiries against response-time and conversion data, and map a compliant 60-second response system for your firm. [Book a Free AI Audit](/contact).