Where Mortgage Rail started

The underwriting system where every case arrives complete and checked.

The system a lender’s underwriters use to decide whether to lend. Cases arrive checked, missing items are chased for them, and every decision is recorded with its reason.

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Application 10001Medium RiskFirst-time landlordAlerts (1)Case summaryActions

Submitted 02 Mar 2026 · Pending 4 days · Last updated today

CaseApplicant(s)

Tom HarrisView →Emma HarrisView →

CaseBroker details

BrokerMark EvansFirmEvans & CoTel020 0000 0000

CaseCase snapshot

TypeBTL PurchaseLoan£195,000LTV65%RepaymentRepayment

CaseApplication status

StageUnderwritingUnderwriterJo WalshReviewInitial review complete

Application progressCompletePendingAttentionNot started

Review

Applicants

Application

Affordability

Property & product

Rationale

Offer

Valuation report reviewOverdue

Property valuation review needed since 20/05/2026. Retention of £3,000 applied.

Complete valuation

Awaiting payslipsDueChased today

Emma Harris: employment income unconfirmed until the latest 3 payslips are evidenced.

Chase brokerBroker chasedEmailSMSWhatsApp

The goal

Every case reaches the underwriter complete and checked, so people spend time only where judgement is needed.

70% lesstime checking applicationsDocunex packaging checks case study

35% fasterunderwriting decisionsCatura rules-based alerts case study

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

How it works

Follow one mortgage case from arrival to offer.

Five steps, from the case arriving to the offer going out.

1Submit

The case arrives with its documents and facts already in.

Before: Incomplete cases start a chase.

Now: Checked as the mortgage broker submits.

Shown live: the case queue

QueueUnassigned 27Assign

App IDApplicant(s)LoanSLAPack

MR-10006

ResiLow

Priya Shah

Shah Mortgages

£260,000

5 days

Owner: Jo Walsh

CheckingComplete

24 of 24 documents

MR-10001

BTLMed

Tom and Emma Harris

Evans & Co Mortgages

£195,000

3 days

Valuation review

2 to chase

Payslips

MR-10002

ResiLow

Lucy Brown

Wright Finance

£240,000

4 days

Document review

Complete

18 documents

MR-10003

BTLHigh

Northfield Lettings Ltd

Evans & Co Mortgages

£610,000

-2 days

Underwriter decision

Complete

31 documents

2Check

Every document is read and checked before the underwriter opens it.

Before: Every file opened by hand.

Now: Verified automatically. Mismatches raise an alert.

Shown live: the case documents

Documents2418 verified

DocumentTypeApplicantStatus

Payslip_Feb_2026.pdf 412 KB

Income evidence

T. Harris

QueuedReadingVerified

Payslip_Jan_2026.pdf 398 KB

Income evidence

T. Harris

QueuedReadingVerified

Bank_statements_3_months.pdf 2.1 MB

Bank statement

Both

QueuedReadingVerified

Passport_E_Harris.jpg 1.4 MB

ID and KYC

E. Harris

QueuedReadingIn review

Payslip_Feb_2026.pdf

Income evidence

E. Harris

QueuedReadingMissing

3Chase

Anything missing is chased for the underwriter.

Before: Broker and customer chased by hand.

Now: Reminders by email, SMS or WhatsApp.

Shown live: the case workflow

Application 10001Medium RiskAlerts (1)Alerts (0)

Awaiting payslipsDueChasedReceived

Emma Harris: income unconfirmed until the latest 3 payslips are in.

Chase brokerChasedEmail sentSMS sentWhatsApp sent

Day 1Reminder sent to Mark Evans, the broker

Day 23 payslips uploaded by the broker

Day 2Payslips verified. Income matches. Alert cleared.

4Decide

The underwriter decides, and the reason is recorded.

Before: Varies by underwriter.

Now: AI drafts the reasons. The underwriter signs off.

Shown live: affordability and AI

Affordability summaryv2.0Running your modelPass

Net income£4,200.00 p/m

Commitments£650.00 p/m

Expenditure£1,150.00 p/m

Loan£1,380.00 p/m

Monthly surplus£1,020.00

Stress test at 7.00%(£1,610.00) p/m

Surplus after the stress test£790.00

Run by EUC Lock against your own spreadsheet. Recorded on the case with the model version.

Applicant backgroundAI generatedRejectAcceptAccepted

Tom Harris (44) and Emma Harris (41) are first-time landlords buying a terraced house in Anytown for £300,000 with a £195,000 loan (65% LTV). Mr Harris works in financial services (£72,000 a year, PAYE, 4 years with his employer). Ms Harris works in healthcare (£38,500 a year). Combined commitments are £1,320 a month, with no adverse credit.

Credit profileAI generated

T. Harris score610 · Good

E. Harris score590 · Good

Adverse markersNone

Searches (12m)2 / 1

5Complete

No offer goes out while anything is still outstanding.

Before: Checklists and email.

Now: Offer blocked until every condition is met.

Shown live: the case workflow

OfferPrerequisites outstandingReady to issueCase summary

£195,000 · BTL 5yr Fixed 4.50% · 25 years · MR-10001

Offer timeline

Prerequisites2 of 4 complete4 of 4 complete

ConditionsPendingMet

SolicitorSample Law LLP

MandateNot requestedSigned

Offer issuedPendingToday, 11:02

Generate offer

Blocked: valuation re-inspection outstanding · Ms Harris's income unevidenced · mandate not requested

Request mandateGenerate offerGenerate offerOffer issued

Audit history118 events

EventCategoryByDate

Offer issued

Created by: Workflow engine

Offer

workflow

10 Mar 2026, 11:02

Mandate signed

Created by: Kate Moore

Direct Debit

k.moore

10 Mar 2026, 10:40

High-risk alert cleared

Created by: Rules engine

Alert

system

10 Mar 2026, 09:56

Payslips verified

Created by: Docunex

Application

Docunex

10 Mar 2026, 09:55

Valuation retention flagged

Created by: Ben Lloyd

Property

b.lloyd

08 Mar 2026, 16:52

High-risk alert raised

Created by: Rules engine

Alert

system

08 Mar 2026, 14:03

Case studies

Cover: From Underwriter Discretion to Focused Alerts with Catura

CaturaFrom Underwriter Discretion to Focused Alerts with CaturaRead the case study

Cover: Automating Mortgage Packaging Checks to Cut Triaging Time Using Docunex

DocunexAutomating Mortgage Packaging Checks to Cut Triaging Time Using DocunexRead the case study

Cover: Automating the Completions Process with Catura – Efficient, Accurate, and Fool-Proof

CaturaAutomating the Completions Process with Catura – Efficient, Accurate, and Fool-ProofRead the case study

Keep what works

Already have an underwriting system? 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 system. We connect it to Mortgage Rail.

We connect your system. Nothing is replaced.
It receives checked cases, property facts and day-one alerts.
It sends decisions, conditions and offer status back to every party.

If you don’t have one yet

Or use our underwriting system, built on Catura®.

A queue where every case has an owner and a deadline.
Documents read by Docunex, mismatches caught by Alertix.
Affordability spreadsheet hosted on EUC Lock.
Rules and rates changed safely, with no wait for IT.
ISO 27001, MFA and role-based access.

What comes into the underwriting system, and what goes out.

Comes in

Applications from the broker portal
Property facts from the data layer
Day-one alerts and valuation findings

Underwriting system

Checks every document
Chases what is missing
Drafts the rationale for the underwriter

Goes out

Decision and conditions to broker and buyer
Offer to the conveyancer
A full audit trail

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

This pageFor 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.

For 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.

The underwriting system where every case arrives complete and checked.

Every case reaches the underwriter complete and checked, so people spend time only where judgement is needed.

Follow one mortgage case from arrival to offer.

The case arrives with its documents and facts already in.

Every document is read and checked before the underwriter opens it.

Anything missing is chased for the underwriter.

The underwriter decides, and the reason is recorded.

No offer goes out while anything is still outstanding.

Case studies

Already have an underwriting system? Keep it. Mortgage Rail connects to it.

Keep your system. We connect it to Mortgage Rail.

Or use our underwriting system, built on Catura®.

What comes into the underwriting system, and what goes out.

All six parts of Mortgage Rail.

See the underwriting system working. Book a demo.

Request a demo

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