# 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.