The future of mortgages

Reshaping homebuying with modern technology

As the battle for profitable customers commences, improving the borrower experience is now the top priority for many lenders. At the same time, accelerating digitalisation and better managing data is more important than ever in order to reduce costs, unlock efficiencies, improve internal processes and keep up with consumer demand.

Leading analyst Whitecap Consulting was commissioned by Mambu to carry out research on current lending practices to establish a snapshot of the end-to-end mortgage journey and identify where the biggest roadblocks and opportunities for improvement lie.

Compose your perfect lending business

Lending roadblocks and how to build a better UX

As lenders continue to compete for lucrative consumers in the post-COVID era, improving the mortgage experience has emerged as a top priority for many of them. The important ingredients to gaining market share in the loan industry today are quick and fast mortgage approvals, clear and uncomplicated procedures, flexible, creative products, and digital capabilities.

Our latest report represents the key research findings and acts as a barometer to measure current needs as well as provide insight on how to optimise lending for the future.

Key stages of the mortgage lending process

Current lending lifecycle challenges

Examining internal user journeys, it’s clear that poor automation and lack of end-to-end workflows are holding lenders back.

Existing product set-up processes

Lenders seeking to diversify with more inclusive services are being slowed down by back-end inflexibility and lengthy product set-up.

The overall user experience

Lenders need to support online account opening with no signatures and automate payments and validate ID online, so that customers can transact easily and without barriers.

Impact of next generation cloud lending platforms

Current systems are simply not able to deliver the levels of innovation and functionality that today’s mortgage buyers expect.

Open up possibilities with Mambu

Customers who have unlocked the foundations for growth


Bluestone, a fast-growing Australian non-bank lender, specializes in prime and non-prime residential home loans using the Mambu platform. Managing A$11bn in home loans for Australian and New Zealand customers, Bluestone has helped over 60,000 Aussies and Kiwis secure home loans.

my community finance

UK-based My Community Finance (MCF) is a loan broker and IT provider to credit unions. Using the Mambu platform for their financial products, MCF gives savers and borrowers access to ethical lenders through its Community Finance Network, a platform dedicated to community building and fair pricing.

Bridging loans are on the rise

Discover Mambu’s key bridging loan product capabilities

Demand for bridging loans in the UK jumped by 14% last year hitting £716.2 million in total value, the highest figure for three years.

Take advantage of this rapidly expanding market with Mambu’s feature rich, and highly flexible cloud-native lending engine. We enable you to quickly compose fully configurable bridging loan products that are tailored to unique needs of your customers.

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Let’s accelerate your journey together.