For the broker

A broker portal that checks every case before it reaches the lender.

A portal where mortgage brokers, who arrange the loan, send cases to the lender. Documents are checked on upload and property risks show before sending, so the lender can accept first time.

Book a demo Already have one?

MR-10421 · Flat 3, 14 Elm RoadTom and Emma HarrisPackagingReady to submitSubmitted

Packaging checks

ApplicantsTom and Emma Harris. Identity and credit checked.

Payslips3 read. Net pay matches the application.

Bank statements£180 a month less salary than the payslips show.Emma Harris replied. Added to the case.CheckingAsk the buyerExplained

PropertyShort lease, 78 years. Only lenders that accept it are shown.Product agent

Lender's criteriaThe case fits. Nothing to change.

Submit to the lender

Checking 5 sections1 to act on first5 of 5 sections checkedSubmit to lenderSubmit to lenderSubmitted

Illustrative example.

The goal

Every case leaves the broker complete and checked, so it isn’t sent back, and the buyer isn’t asked for the same thing twice.

25→70%of submissions complete first timeDocunex broker portal case study

60% lesstime spent checking submissionsDocunex broker portal case study

When the broker gets feedback at the moment of upload, the case reaches the lender clean, and nobody chases the same document twice.

How it works

What the broker sees, from first upload to completion.

Three steps: upload, alert and track.

1Upload

Every document is checked the moment the broker uploads it.

Before: Gaps found days later, after the lender has looked.

Now: Each document is checked while the broker is still on the case.

Shown live: the case documents

MR-10421 · Flat 3, 14 Elm RoadTom and Emma HarrisPackaging

Documents

Checking2 to act on

DocumentWhat was checkedStatus

Passport_T_Harris.jpgIDPhoto, name and expiry date match.CheckingVerified

Payslip_Feb_2026.pdfIncomeNet pay matches the application.CheckingVerified

Bank_statement_Feb.pdfBank statementSalary credit £180 lower than the payslip.CheckingAsk the buyer

Proof of depositDeposit · not uploadedMissing. Requested from the buyer.CheckingRequested

Feedback in seconds, not after the lender has looked.

2Alert

Property risks show before the case is sent to the lender.

Before: The property’s risks show up after the case is sent.

Now: The broker sees what the lender will see. Only lenders that fit are shown.

Shown live: property facts and alerts

MR-10421 · Flat 3, 14 Elm RoadTom and Emma HarrisPackaging

Property facts

TenureLeaseholdLease78 years leftFlood riskMedium

By API, before the case is packaged

Alerts for the broker

Checking each fact3 to act on

Short lease: 78 yearsOnly lenders that accept it are shown in sourcing.Product agent

Income doesn't matchPayslip and bank statement differ. Ask the buyer before you submit.Buyer

Flood risk: mediumLenders may ask for an insurance quote. The buyer has been told.Buyer

ID, credit and depositChecked. Nothing to do.

3Track

Every case is tracked from submission to completion.

Before: The broker rings the lender to ask where the case is.

Now: Every update from the lender lands on the broker’s screen as it happens.

Shown live: your cases and the case timeline

Your casesEvans & CoUpdatingAll moving

CaseLatestStage

MR-1042114 Elm RoadOffer issued. Valid for 6 months.UpdatingOffer

MR-104339 Park LaneWith the underwriter. One condition: proof of deposit.UpdatingCondition

MR-1044022 Mill StreetValued £5,000 below the agreed price. Talk to the buyer.UpdatingValuation

MR-104473 Ash CloseSubmitted today. Arrived complete.UpdatingSubmitted

MR-10421 · Flat 3, 14 Elm RoadTom and Emma HarrisWith the underwriterOffer issued

Case timeline

Packaged5 of 5 sections checked.

SubmittedArrived complete.

ValuationReport in.

Offer issuedValid for 6 months.

CompletionNext, with the conveyancer.

Illustrative example.

Case study

Cover: Intelligent Broker Portal – With Instant Packaging Feedback

DocunexIntelligent Broker Portal – With Instant Packaging FeedbackRead the case study

Keep what works

Already have a broker portal? Keep it. Mortgage Rail connects to it.

Mortgage Rail doesn’t ask you to replace what works. If you already have this part, we connect to it. If you don’t, you can use ours.

If you already have one

Keep your own portal. We send it the property facts and alerts.

Your portal and your other systems stay as they are.
Property facts and day-one alerts arrive before the case is put together.
Lender decisions and conditions come back to the broker’s screen.

If you don’t have one yet

Or use our portal, with your brand on it.

Upload, checks and submission in one place.
Each case checked against the lender’s rules before it is sent.
Built on Docunex, our document-checking product.

What comes into the broker portal, and what goes out.

Comes in

Buyer and property details from the customer portal
Property facts and day-one alerts
Products from the product agent and affordability from the affordability agent

Broker portal

Checks each document as it is uploaded
Checks the case against the lender’s criteria
Submits a complete case

Goes out

Requests to the buyer for anything missing
A checked case to the lender’s underwriting system
Status to every party on the rail

The parts

All six parts of Mortgage Rail.

Mortgage Rail connects the systems and databases across the property industry. Each part does one job. Already have one? Keep it. If not, use ours.

Three places where people work

For the lender · where Mortgage Rail startedUnderwriting systemWhere the lender decides. Cases arrive checked, and the underwriter works the exceptions. It runs on top of the lender’s existing systems and replaces none of them.

This pageFor the brokerBroker portalThe broker submits a case the lender can accept first time, with every document checked on upload.

For the buyerCustomer portalThe buyer sees the application, the facts about the home and who is doing what.

Three agents that do the checking

Affordability agentChecks the buyer can afford the loan, re‑running your own spreadsheet when the numbers change.Valuation agentReads the valuer’s report on the property and sends each issue to whoever needs to act.Product agentFinds the mortgages that fit and keeps the list right as facts arrive.