Smartr365

Smartr365 operates a B2B SaaS platform within the UK's financial software industry, catering to mortgage intermediaries. Founded in 2016 by Conor Murphy, the company was established to tackle the inefficiencies of the mortgage process. Murphy, who also founded and leads Capricorn Financial Consultancy, one of London's largest independent mortgage brokerages, drew upon his direct experience to create a solution. His background in running a brokerage since the age of 25 gave him firsthand insight into the administrative burdens that detract from client advisory time, shaping the platform's core objective of automation.

The company generates revenue through a software-as-a-service model, providing its platform to major distributors and brokerages like Legal & General, Sesame, Openwork, and Just Mortgages. The business model connects these intermediaries with major lenders, including Halifax, Nationwide, and Barclays. The platform is built to automate significant portions of the mortgage and home-buying journey, involving all key stakeholders from brokers and estate agents to homebuyers and lenders. It has a substantial market presence, with 25% of UK mortgage intermediaries using the system.

Smartr365's product is a cloud-based platform that unifies the entire mortgage workflow. Key functionalities include a digital fact-find, CRM capabilities, task automation, and direct-to-lender application submission without the need to re-key data. The system integrates with essential third-party service providers like Experian for credit checks, Uinsure for insurance, and Smoove for conveyancing, creating a comprehensive marketplace. This end-to-end integration simplifies complex tasks such as compliance, document management, and mortgage tracking, providing a unified data environment for both advisers and their clients. The company has received significant investment from backers including Legal & General, Pembroke VCT, and Calculus VCT to fuel platform development and market expansion.

Keywords: mortgage technology, financial software, proptech, B2B SaaS, CRM platform, mortgage brokerage, mortgage automation, financial advisory tools, end-to-end mortgage platform, digital mortgage, mortgage compliance, direct-to-lender, client management, home buying process, UK mortgage market, adviser technology, Capricorn Financial Consultancy, Conor Murphy, Pembroke VCT, Legal & General