by Mark Lally 1 year ago
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Help/Contact
PURPOSE
To alert the broker to activity which requires their attention. In this case it will flag that there has been a message received from a customer.
PURPOSE
NOTABLE FEATURES
NB: the model based on whatsapp style.
(Nice to have - voice notes)
Calendar
PURPOSE
To act as a timetable for the broker for their booked appointments, their availability for appointments, and their unavailability.
NB: Requirement to sync with other calendars- such as Google, Outlook and Apple.
Synch with other calendars (Google, Outlook, Apple)
Set time available/unavailable
Annual
Monthly
Weekly
Daily
Calculator
PURPOSE
To provide brokers with an access point to different types of 3rd party calculators in order to determine the best advice for the customer.
NOTABLE FEATURES
Regarding the API to lender are we looking to give access to multiple lenders from here in order to determine the one of most value.
Calculators (3rd party)
Stamp Duty
Loan to Value (LTV)
PURPOSE:
Loan To Value will provide access to a better rate
Affordability
PURPOSE
Third party software in order to calculate affordability.
Do we have a suggestion on who can provide the third party service?
cak
PURPOSE:
To provide brokers with access to a third party tool to understand the client credit history.
Fantastic if we can integrate the mortgage brain services into the application but if not possible just a link to the third party site.
https://www.mortgagebrain.co.uk/
Clients
Clients List
PURPOSE
A list of the broker's clients which provides an overview of product and their status from this screen the broker can progress any deals.
NOTABLE FEATURES
NB: Selecting an applicant will open a full page of client information
CLIENTS More Information:
PURPOSE:
Provide the detail on the client and relationship management. Including status at each stage and the associated documentation.
Notable Features:
Mortgage source link
API 20/7 Tech
Broker Edit
Broker Input/Search flow
Dashboard
PURPOSE
The default Homescreen within the Broker app.
Awaiting Matt to provide the break down.
NOTABLE FEATURES
Dashboard (Home)
PURPOSE
To alert the broker to activity which requires their attention.
NOTABLE FEATURES:
Triggers for notifications:
Send table for notifications (email to confirm with code - pp / disclosure)
Google Alerts (switch on/off)
Custom admin
High priority clients/Amber
>> Clients
Upcoming Schedule > Calendar
Filters
PURPOSE
Filter capabilities within list screens help users to streamline their data search results.
NOTABLE CONTENTS
Search
PURPOSE
Screen displays list of key search terms for the user to select based on what the user enters into the field.
NOTABLE FEATURES
Search by keywords:
Search Results
Customer Profile
PURPOSE
Represents the system account of the user and provides a means of validating rights and responsibilities.
NOTABLE FEATURES
Edit Profile
Settings
Logout
Privacy
Terms
Contact
Clear All
Inbox
Message Feed
Un-save
Broker Messaging >>
Start Process >>
PURPOSE:
To provide customers with the status of their mortgage application.
NOTABLE STATES:
Congratulations Mortgage completion -
Share to social -
Vouchers.
Homescreen (Returning Customer)
Restart Process
Re-Mortgage Workflow >>
First Time Buyer Workflow >>
Continue (Returning users)
Re-mortgage
Re-mortgage Workflow >>
Buy a Home
Moving to New Home Workflow >>
First-Time Buyer Workflow >>
Homescreen (New Customer)
Re-Mortgage
Re-mortgage Workflow
PURPOSE
The workflow is to collect all key data points in order to provide broker with accurate, verified information which can be used to give the customer the best mortgage options.
FEATURES
A questionnaire to establish.
I WANT TO REMORTGAGE
NOTABLE FEATURES
Broker Messaging/Chat icon
Curated Offers List >>
Offer Detail
LTV calculation
Rates available
Term/mo payment (can show effects of adjustment)
Purpose:
To provide the best offers to the customers in response to the requirements as entered by customer.
NOTABLE FEATURES
Headline
Detail:
NB this information will need to be sourced via API to 3rd party. https://www.twenty7tec.com/
Start Process
Connect to Experian
[Retrieve Documents]
PURPOSE
NOTABLE FEATURES
Notifications
eg 80% complete, missing payslip (free up time for brokers)
PURPOSE
Alerting users to new pertinent information as part of their mortgage application.
TRIGGERS FOR NOTIFICATIONS
Upload missing
Payslips - 60% by Q3 > doc upload/picture
SA302 (Self employed)
> further proof of income
Need a scanning feature/pdf upload
Scan/Upload
[System Verification]
Calculations/Verification. Results (LTI/LTV)
Schedule a Call - Calendly
Conference Call
Defaqto - 1-5 star rating - covers building and contents
PURPOSE
Alerting users to new pertinent information as part of their mortgage application.
TRIGGERS FOR NOTIFICATIONS
Broker Validation
Validate mortgage application
Discuss insurance/gen insurance
Conveyancing solicitor discussion
End of call > Notification/checklist of what happens in the process
Online Application Submitted (avg 3 wks)
Valuation (Lender)
Desktop or in-person
Desktop quicker but may not have the most up to date information
Rejected
Accepted
Insurances
General insurance - B&C
Notification of Timeline/Products (Upsells)
PURPOSE
Alerting users to new pertinent information as part of their mortgage application.
TRIGGERS FOR NOTIFICATIONS
Timeline
Notifications/Upsell
PURPOSE
Allows user to receive a password reset email if/when they have forgotten their password.
NOTABLE FEATURES
Reset Password
Successful Update
SignUp (Joint Applicant)
Purpose
To collect basic data for creating the joint user account in the app.
Applicant 1: Notable features
NB Multiply by number of applicants.
Sign-up (Single Applicant)
Purpose
To collect basic data for creating the user account in the app.
Notable features
Check Email/ Enter OTP Code
Basic Profile
Remortgage
Workflow
PURPOSE
The workflow is to collect all key data points in order to provide broker with accurate, verified information which can be used to give the customer the best mortgage options.
FEATURES
A questionnaire to establish.
I WANT TO REMORTGAGE
Curated Offers
Authorise Documents
PURPOSE
To provide users with an access point to Meet Margo's partners at Experian where verified documentation can be gathered, verified and stored within MeetMargo.
NB: documentation must illustrate compliance with FCA requirements.
NB: The user journey should seamlessly open Experian interface within the Meet Margo app.
NOTABLE FEATURES:
Data pulled back by user into home:
Are we MeetMargo going to host the documents once retrieved?
• credit report
• proof of address
• proof of ID
• personal / business bank statements
• proof of income in development and should be at 60% of working UK population by end of Q3
Experian can provide 80% of the client data and 100% for certain clients that we can access proof of income / payslips.
Consulting/Comms with Broker
Activation (Application Online)
Upsell/Confirm Products
Process Updates/Timeline
PURPOSE:
To provide customers with the status of their mortgage application.
NOTABLE STATES:
FIND
VERIFY
APPLY
