Every borrower gets a personal checklist link. Uploaded documents are verified and ticked off automatically, and the system chases only what is still missing with polite WhatsApp nudges — until the file is lender-ready in four days instead of three weeks.
Typical results
0
Chasing phone calls
+40%
Files per month
100%
Documents auto-verified
Figures reflect typical results for this kind of automation.
The challenge
Assembling a mortgage file meant chasing each borrower for a dozen documents — payslips, bank statements, ID, tax returns — across weeks of calls and emails. Documents arrived blurry, incomplete or into the wrong thread, brokers spent more time chasing paper than structuring deals, and rate locks sometimes expired while files sat incomplete.
Before and after
Time to complete a file
−81%Chasing calls per file
−100%Files handled per month
+40%The automation
We gave every new borrower a personal checklist link listing exactly what their file needs. Each upload is scanned automatically — the system checks document type, readability and dates, ticks the item off, and files it into the deal folder. A Make scenario then chases only the missing items with friendly WhatsApp reminders that escalate gently, and the broker watches a live completeness bar instead of an inbox.
How it works
- 01
Checklist sent
Each borrower gets a personal link listing exactly which documents their file needs.
- 02
Upload & verify
Every upload is checked for type, readability and dates, then ticked off automatically.
- 03
Smart chasing
WhatsApp nudges go out only for what's still missing, escalating politely over time.
- 04
Live progress
The broker watches a completeness bar per file instead of digging through email threads.
- 05
Lender-ready
When the last item clears, the full file packages itself and the broker submits.
Starts from
- Personal checklist
- Borrower uploads
Delivers
- Items ticked off
- Missing-item nudges
- Lender-ready file
The impact
Files now reach lender-ready in four days on average instead of three weeks, without a single chasing phone call from the team. Brokers handle 40% more files each month, rejected-document rework drops sharply, and borrowers always know exactly which documents are still missing.
Questions about this automation
How does the borrower checklist work?
When a new deal is opened, the borrower receives a personal link listing exactly which documents their file needs, such as payslips, bank statements, ID and tax returns. The list is built from the loan type and the borrower's situation, and each item is ticked off as soon as a valid file arrives.
How are uploaded documents checked?
Each upload is read automatically to confirm the document type, that it is legible and that its dates fall within the required period. Valid files are renamed and saved to the deal folder. Blurry, expired or wrong documents are rejected with a short explanation, and the borrower is asked to send a replacement.
How are borrowers reminded about missing documents?
A scheduled job checks every open file and sends WhatsApp nudges listing only the items still missing, escalating gently if nothing arrives. The broker sees a completeness bar per file, and the last item triggers the lender package. Tracking each item per borrower makes it a multi-step build, usually rolled out in stages.