Mortgage brokers and advisers playbook · 16 jobs

AI for mortgage brokers and advisers: 16 jobs to hand to AI this week

Advice firms lose hours to reports, notes and chasing documents. AI can produce first drafts from your own fact-find and notes, and write the chasers and updates around a case. It can't give advice. It must not recommend a product, assess affordability or decide what's suitable, and nothing goes to a client until the authorised adviser has checked it and made it theirs. If you're an appointed representative, your principal firm's rules and sign-off come first. Every job below keeps the adviser in charge.

Job 1 of 16ChatGPTClaudeGemini

Draft the suitability report from the adviser's own fact-find and notes

The suitability report can be one of the biggest time costs once a case has been researched, and it's mostly assembling what the adviser already knows into the firm's structure. A first draft built from the fact-find, the adviser's recommendation notes and the firm's template means the adviser spends time checking and sharpening the reasoning, not typing it.

Time: About 30 minutes per report to prepare and check, instead of writing from scratchCost: free tools work

A business-grade AI tool with data terms you have read, plus your report template

Steps

  1. Complete the fact-find and do your research and affordability assessment as you normally do. Decide the recommendation yourself, and write your reasons for it in your own notes, in a few lines. This job starts after the advice has been decided.
  2. Take your firm's suitability report template, or the headings you use, and put your fact-find answers and your recommendation notes under them. Replace client names with initials if your tool's terms call for it. Leave out any health or vulnerability detail, and any account numbers or dates of birth, and add that to the final report yourself.
  3. Paste the structure and the prompt below into your AI tool, with the product details as shown on the lender's illustration or key facts document.
  4. Read the draft against the fact-find and your notes, line by line. Delete anything the AI added, check each figure against the illustration, and rewrite the reasoning in your own words where it's thin or wrong.
  5. Compliance or paraplanner review it as your firm requires. Only the adviser sends it, under their own name.
  6. File the final report and your notes together. Keep the records for as long as the rules and your firm require (MCOB sets a minimum of three years from the advice).

The exact prompt

Copy, paste, then fill in the [brackets]
I'm a UK mortgage adviser. I have already carried out the advice process and decided the recommendation. Draft a suitability report using ONLY the information below, in the structure of my template.
Client circumstances and objectives, from my fact-find: [paste, with names as initials]. My recommendation and my reasons, in my words: [paste]. Product details, copied from the lender's illustration: [paste]. Fees and charges, as agreed: [paste].
Write each section in plain English. Where my notes don't cover something the template needs, write "[ADVISER TO COMPLETE]" and don't fill it. Don't add any reasoning, product comparison, affordability statement or risk warning that isn't in my notes. Don't state that the product is suitable beyond repeating my own recommendation.

✓ Check before you send

  • The adviser has checked every figure against the lender's illustration and every statement against the fact-find and their own notes.
  • No reasoning, warning or comparison has been added that the adviser didn't write, and every [ADVISER TO COMPLETE] has been completed by the adviser.
  • The final report is the adviser's own, reviewed as your compliance process requires, and it's the adviser who sends it.

UK notes extra

Last reviewed Oct 2026. Free tools change. If a screen looks different, the steps still apply.Back to top ↑
Job 3 of 16ChatGPTClaudeGoogle Sheets

Chase clients for payslips, statements and ID with a "what we still need" list

Cases stall because one payslip is missing and nobody has asked for it in plain words. A reminder that lists exactly what's still outstanding, with the reason it matters and a friendly nudge each few days, gets documents in without you rewriting the same email.

Time: About 30 minutes to set up, then 5 minutes per caseCost: free tools work

Your CRM or a simple Google Sheet, plus a business-grade AI tool

Steps

  1. Make a checklist per case type (employed, self-employed, remortgage, first-time buyer): payslips, bank statements, ID, proof of address, deposit evidence, P60 or tax documents. You decide what you need for each.
  2. In a sheet, list each live case by reference: what's received, what's outstanding and the date each was last requested.
  3. Paste the outstanding list for one case into the prompt below to get a short email or text that lists exactly what's missing, in plain English.
  4. Edit it to sound like you, send it yourself, and log the date. Chase again on your own schedule with a shorter version.
  5. After three chases with no reply, ring the client yourself and note it.
  6. Tell clients, in your privacy notice and your first email, how to send documents safely, and never ask for full card or account log-in details.

The exact prompt

Copy, paste, then fill in the [brackets]
I'm a UK mortgage adviser chasing a client for documents. Client first name: [name]. Case type: [e.g. employed remortgage]. Still needed: [list, e.g. last 3 payslips, last 3 months' bank statements for the main account, photo ID]. Already received: [list]. How to send them: [secure upload/portal link].
Write a friendly, plain-English email under 120 words listing exactly what's still needed and why I need it (the lender needs it to assess the application). Then write a shorter reminder under 50 words, and a text message under 30 words. Don't mention any deadline, rate, lender decision or consequence unless I've given it, and never ask for passwords or card numbers.

✓ Check before you send

  • The list matches the checklist for this case and what's actually outstanding.
  • The message says nothing about outcomes, rates or lender decisions, and asks only for documents through your secure route.
  • You send it and log the date, and you ring after three chases.

UK notes extra

Last reviewed Oct 2026. Free tools change. If a screen looks different, the steps still apply.Back to top ↑
Job 2 of 16ChatGPTClaudeGemini

Turn your own meeting notes into a clean file note

The file note is the record of what the client said and what you advised, and it's the record you'll want to hand over if a case is ever questioned. Typed up the same day it's more likely to be accurate than a week later. Quick, tidy file notes from your own jottings keep the record true while you still remember the meeting.

Time: About 5 minutes per meetingCost: free tools work

A business-grade AI tool, plus your CRM or file note template

Steps

  1. During or straight after the meeting, jot your own notes: what the client said about their circumstances, goals, concerns and questions, what you explained, and what you agreed to do next.
  2. Paste the notes into the prompt below, using initials for the client. Leave out any health or vulnerability detail; record that yourself (see the vulnerable-customer job).
  3. Read the file note against your jottings, and against your own memory of the meeting. Fix anything that isn't what was said, and delete anything the AI added.
  4. Add anything it left out, especially any concern the client raised and how you dealt with it.
  5. Save the final note in your CRM or case file, dated, and mark it as your record. Don't keep the AI chat as the record.

The exact prompt

Copy, paste, then fill in the [brackets]
I'm a UK mortgage adviser. Turn my rough meeting notes into a clear file note. Use ONLY what is in my notes: client initials [AB], date [date], who attended, circumstances discussed, objectives, concerns raised, what I explained, questions asked and my answers, agreed next steps.
Keep my meaning exactly. Put anything unclear under "[ADVISER TO CLARIFY]" instead of guessing. Don't add advice, recommendations, risk warnings or anything I didn't note. Don't summarise away a concern or a question the client raised.
My notes: [paste]

✓ Check before you send

  • The note says what happened in the meeting and nothing more, and every [ADVISER TO CLARIFY] is resolved by you.
  • Concerns the client raised and your answers are in the note.
  • The note is the adviser's own record, saved with the date, and not left in the AI tool.

UK notes extra

Last reviewed Oct 2026. Free tools change. If a screen looks different, the steps still apply.Back to top ↑

13 more jobs in the full mortgage brokers and advisers playbook

Here is what each one covers. Open any job to see what is inside.

The full playbook

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Questions mortgage brokers and advisers ask

Can AI give mortgage advice or recommend a product?

No. It must not recommend a product, assess affordability or decide what is suitable. The authorised adviser does that, and checks and signs off anything that goes to a client.

Is it safe to put client details into AI?

Leave out names, addresses, account numbers, dates of birth and any health or vulnerability detail. Use initials, amounts and dates, and add the rest yourself. Appointed representatives should also follow their principal firm's rules.

Which AI tool is free?

The free plans of ChatGPT, Gemini, Copilot and Claude can produce first drafts and chasers. Check your firm's policy on AI tools first. The drafts are for the adviser to review and are not regulatory guidance.

Agent playbooks for mortgage brokers and advisers

Document chasers, client progress updates, enquiry replies and an AI-use record, left for the adviser to approve. Set up an assistant that watches, drafts and chases while you decide.

See the 4 agent jobs →

Privacy tip: don't paste customers' full names, addresses or other personal details into AI tools unless you need to and you've checked the tool's privacy settings.