Mortgage Networks
Check every case. Not just the ones you can afford to review.
Curvestone reviews 100% of broker case files automatically — reading the messy real-world inputs networks actually receive, with an audit trail PI insurers and the FCA recognise. Currently running 25% of UK mortgage network compliance checks.
Network oversight
Collaborative Workflow Management
- ARs: 2,914
- Advisers: 1,284
- Cases today: 47
- Flag rate: 2.1%
The problem
Why network compliance doesn't scale.
You carry FCA permission on every case — but at an hour-plus per manual review, coverage stalls at a fraction of new business. The rest goes unchecked until a complaint, FCA review, or audit forces a look back.
Most networks check 5–15% of new business.
A 50–90 minute manual review per case makes full coverage economically impossible — so most cases go unchecked until a complaint lands.
The false-negative problem
It's not the cases you flag — it's the ones you don't. Missed issues compound through manual handoffs, land at the lender, and create PI exposure. False negatives, not false positives, are the problem.
Capacity vs growth
Compliance can't scale with broker headcount. Adding ARs means adding reviewers — linearly. Summer backlogs cascade into delayed feedback and repeated errors.
Inconsistent decisions
Different reviewers, different verdicts. ARs get mixed messages depending on who reviewed their case — which fuels internal disputes and weakens coaching.
Regulatory escalation
Problems escalate to you, not your ARs. FOS complaints, FCA supervisory visits, and s.166 reviews all land at the principal. Every unchecked case is a future escalation in waiting.
Senior expertise wasted
Heads of Compliance run queues, not risk. Backlog management consumes the expertise that should be running portfolio risk work and AR development.
What Curvestone does
Curvestone reviews every case in your network. Compliance and suitability review on every adviser submission — automated, configured to your specific policy, exceptions, and judgement rules.
Six commitments Held on every case
Coverage: 100%
Every case checked — not a sample. Nothing slips through the net.Speed: Real-time
Flags before submission, not weeks later. Advisers remediate immediately.Consistency: Same rules
Every case, every time. No reviewer fatigue, no subjective interpretation.FCA evidence: Audit-ready
Supervisory reports built automatically, traceable per case and per AR.Insight: Trends
Trend analysis across adviser behaviour. Targeted coaching and early risk identification.Fairness: No bias
Consistent treatment for every AR. Removes unconscious bias from manual review.
What we check
Checks across the full case journey.
A sample of what Curvestone reviews — adviser-side validation before the case is submitted, then the full file review your central team would run afterwards. Configured to your network's policy, exceptions, and judgement rules.
Pre-submission: adviser-side
- Disclosures
- Income
- Fact Find
- Reconciliation
- Risk flags
Post-submission: network review
- Doc quality
- Cross-doc
- Disclosure timing
- Sourcing
- Suitability
- Vulnerability
- Fraud flags
Proven across UK networks
“This strengthens our oversight process and frees up our compliance team to focus on adviser support and quality assurance.”
- 25% of UK mortgage network compliance checks
- 2,900+ advisers live across a tier-1 UK mortgage network
- 100% case coverage, not sampling
Common questions
Answers for networks evaluating Curvestone.
- How quickly can we go from contract to first cases checked?
- How do you handle our specific policy — exceptions, judgement calls, the cases that need real interpretation?
- What does evidence look like for the FCA, PI insurers, or internal audit?
- Can ARs see and address the same findings before submission?
- What about the cases Curvestone gets wrong?
- Can we trial before committing?
See what supervising every case looks like.
15-minute demo. Walk through Curvestone on real cases — yours, ours, or anonymised — and the audit trail behind every decision.