Products
The borrower conversation and the assistants around it, collecting the credit, assets, liabilities, employment, income and real estate owned that the Products dimension documents.
- Application documentGenerates the completed application document from everything the conversation collected, and takes the borrower's signature on it.
- AssetsCollects what the borrower holds — deposit and investment accounts, the institution each sits with, and the balance.
- Co-borrower invitationInvites a co-borrower into the application and starts their own task set, which is the borrower's set plus the questions only they can answer.
- Contact detailsCollects how to reach the borrower — telephone numbers by kind, and the electronic-mail address the application and its documents are sent to.
- CorrectionReopens a subject the borrower has already answered so an answer can be changed without restarting the application.
- CreditTakes the borrower's consent to a credit enquiry, runs it, and brings the result back into the conversation so the liabilities it reports can be confirmed rather than typed.
- DeclarationsCollects the declaration questions the application requires, and the follow-up detail wherever an answer needs one.
- Demographic detailsCollects the regulated demographic questions, including the borrower's right to decline each of them.
- Employment and incomeCollects employment and the income that comes from it — employer, role, dates, and the pay in the components a lender underwrites: base, overtime, bonus and commission.
- Frequently-asked questionsAnswers a borrower's questions from a curated knowledge base rather than from the model's general knowledge, with the source behind each answer.
- Gifts and grantsCollects funds given to the borrower rather than held by them — the donor, the relationship, the amount, and whether the funds have arrived.
- LiabilitiesReviews the debts the credit enquiry reported, corrects them, and collects the ones it did not — the obligations that do not appear on a credit file.
- Loan lookupFinds an existing application from what the borrower can remember, so a returning conversation resumes rather than restarts.
- Military serviceCollects service history, which decides eligibility for the loan programmes that depend on it.
- Mortgage detailsCollects the terms of the loan being applied for and of any mortgage already secured on a property the borrower owns — amount, purpose, occupancy and term.
- Other incomeCollects income from every source that is neither employment nor a business the borrower owns — rental income, benefits, pensions, investments, support payments.
- Personal identityOpens the application and collects who the borrower is — legal name, date of birth, taxpayer identifier, citizenship and marital status.
- Preapproval letterProduces the preapproval letter from the priced application, and refreshes it when the price behind it moves.
- PricingRuns an actual price against the collected loan terms and explains the result in the conversation.
- Rate estimateGives a borrower an indicative rate from a short conversation, before any application exists.
- Real estate ownedCollects the properties the borrower already owns — address, value, how it is used, and what it earns or costs.
- ResidencyCollects where the borrower lives now and where they lived before, with the dates, so the address history covers the required period without gaps.
- Self-employment incomeCollects income from a business the borrower owns, including contract income reported on its own tax form.
- Workspace assistantThe assistant inside the internal workspace: answers a reviewer's questions about an application in progress and drafts the message going back to the borrower.