AI Receptionist for residential mortgage brokers
Every residential mortgage enquiry answered. Every consultation booked. No lead left waiting.
Ava is the AI receptionist for residential mortgage brokers that captures every enquiry and books the adviser callback immediately.
Each missed residential mortgage enquiry costs £1,500–£3,500 in broker fees. Miss two enquiries a day and you are forfeiting over £20,000 a month in revenue to whichever adviser picked up first.
The short answer
- 1. Ava answers 100% of inbound residential mortgage enquiries, 24/7 — no call goes to voicemail, no lead is missed.
- £1,500–£3,500: the typical broker fee per residential mortgage case — the revenue each unanswered call risks losing to a faster competitor.
- 72% of mortgage enquirers contact the first adviser who responds. Ava captures and books the consultation within seconds of the call.
- 5 CRM integrations out of the box — Intelligent Office, Twenty7Tec, Smartr365, FactFind, and iSales — so the lead lands before the call ends.
- 0 advice or rate quotes from Ava — she captures, books, and routes. All substantive mortgage questions go to your qualified adviser.
The problem
A homebuyer has just had an offer accepted. They need a mortgage arranged in weeks, not months. They ring three brokers. You're on another call. Your competitor picks up first.
What Ava does
Ava answers every inbound call, captures the nature of the enquiry, takes the caller's name and contact details, and books a callback or consultation with your adviser — so the first-response advantage stays with you, not the firm down the road.
A typical residential mortgage generates £1,500–£3,500 in broker fees and procuration. Miss one enquiry a day and that is significant monthly revenue walking to whoever picked up.
How does Ava handle a residential mortgage enquiry call?
Ava picks up on the first ring, greets the caller in your firm's name, captures the nature of the enquiry — purchase, remortgage, or general question — takes contact details and a preferred callback time, and books the consultation into your adviser's diary. She does not give advice, quote rates, or recommend products.
Most residential mortgage calls follow one of three patterns: a buyer who has just had an offer accepted and needs a mortgage arranged, someone exploring what they can borrow before they start searching, or an existing client with a question for their adviser. Ava handles all three by capturing the context and routing to the right person.
Speed matters in this market. A buyer in the early stages of arranging finance is often speaking to two or three brokers simultaneously. The firm that responds fastest tends to earn the case. Ava gives you that first-mover position without your adviser being glued to the phone.
All captured details land in Intelligent Office, Smartr365 or your chosen CRM immediately, so the adviser opens a fully briefed lead rather than a scribbled callback note. The follow-up conversation starts informed.
Why do mortgage brokers lose enquiries they never knew about?
Brokers are on client calls, in fact-finds, or in meetings for most of the working day. Enquiries ring out and go to voicemail, which most callers ignore. Each missed call is a £1,500–£3,500 fee opportunity that dials the next broker on Google.
A sole adviser or small firm literally cannot answer the phone while conducting a fact-find or reviewing a lender decision. The call rings out, the caller hangs up, and they ring the next number. There is no record the enquiry ever arrived.
Evening and weekend calls compound the problem. Buyers and movers often search and call outside office hours. Without an answering capability, those high-intent enquiries simply never reach you.
Ava closes the gap entirely. She answers every line at any hour, so the enquiry that would have gone silent instead becomes a booked consultation in your diary before the morning briefing.
Does Ava give mortgage advice or quote interest rates?
No. Ava captures the enquiry and books the adviser consultation. She does not give mortgage advice, recommend specific products, quote interest rates, or provide any guidance that constitutes regulated financial advice under the FCA framework. Every substantive question goes to your authorised adviser.
Mortgage advice is a regulated activity under the Financial Services and Markets Act 2000. Only authorised advisers — whether directly authorised by the FCA or operating as appointed representatives of a network — may give regulated mortgage advice. Ava is not authorised and does not attempt to cross that line.
When a caller asks which mortgage is best for them, Ava acknowledges the question, confirms that an adviser will be able to give them proper personalised guidance, and books the consultation. The adviser handles every substantive question.
This approach protects your firm. A receptionist — human or AI — who strays into product recommendations creates compliance exposure. Ava stays firmly on the booking side of that line.
Can Ava capture enough context for the adviser to start the consultation well?
Yes. Ava captures the purchase or remortgage scenario, property value range if mentioned, any urgency (for example, an exchange deadline), and preferred contact time. That context means the adviser's first question is not 'tell me why you called' but something far more useful.
A well-briefed adviser wastes no time on basics and signals credibility immediately. Knowing a caller has a 12-week exchange deadline and is a first-time buyer changes the opening of the conversation entirely.
Ava is careful about what she records versus what she asks. She captures what callers volunteer naturally and prompts gently for the basics: nature of enquiry, rough purchase value, contact details, and preferred time. She does not ask for income figures or employment details — those belong in the fact-find.
The captured summary arrives in your CRM with the caller's name, number, enquiry type and notes, so the adviser can review it in two minutes before calling back.
£1,500–£3,500
Typical broker fee per residential mortgage case
UK mortgage broker market estimate
First
The broker to respond to an enquiry often wins the case
UK mortgage industry estimate
24/7
Hours Ava captures enquiries — including evenings and weekends
avacallai service definition
The difference
Voicemail takes a message. Ava books the appointment.
What callers ring about
Every residential mortgages call, handled.
- New purchase mortgage enquiries
- Adviser callback bookings
- Mortgage in Principle requests
- Out-of-hours lead capture
Hear it in action
This is what your callers hear.
- Good morning, Meridian Mortgages — how can I help you?
- Hi, I've just had an offer accepted on a house and I need to sort a mortgage.
- Congratulations on the offer. Our advisers can guide you through the whole process. Can I take your name and a good contact number, and book a consultation for you?
- Yes — it's James Baxter, 07700 900123.
- Perfect. I have availability Thursday at 10am or Friday at 2pm — which suits you better, James?
Before you choose
What to look for in an AI receptionist for residential mortgages.
Clear FCA compliance boundary
The receptionist must never stray into mortgage advice, product recommendations, or rate quotes. Confirm that all substantive questions are routed to your authorised adviser, not handled by the AI.
CRM write-back
Insist the lead lands in Intelligent Office, Smartr365, FactFind or your preferred CRM with enquiry type and urgency captured — not just an email you have to type up manually.
Genuine 24/7 coverage
Buyers call in the evenings and at weekends. Verify the service truly answers outside office hours, because that is precisely when your highest-intent calls arrive.
Natural, professional tone
Your clients are making large, stressful financial decisions. The AI should sound calm and professional, not scripted. Ask to hear it handle a first-time buyer call before committing.
Common questions
Everything you’re wondering.
Does Ava give mortgage advice or recommend lenders?
No. Ava captures the nature of the enquiry and books a consultation with your FCA-authorised adviser. She does not give mortgage advice, recommend specific products, quote rates, or provide any guidance that constitutes regulated financial advice. All substantive questions go to your adviser.
What information does Ava capture from a residential mortgage caller?
The caller's name, contact number, the nature of the enquiry (purchase, remortgage, general question), a rough indication of property value if mentioned, any urgency such as an exchange deadline, and a preferred callback time. She does not ask for income figures or employment details — those belong in the adviser's fact-find.
Can Ava book a consultation directly into the adviser's diary?
Yes. Ava integrates with your calendar and offers real available slots to the caller. The confirmed consultation writes into your diary and the lead summary lands in your CRM before the call ends.
Will Ava work for a directly authorised firm and an appointed representative?
Yes. Ava's role is identical in both models — she answers calls, captures the enquiry, and books the consultation. The regulatory distinction between DA and AR firms affects the advice process, which sits entirely with your authorised adviser.
What happens to calls that come in after hours or at weekends?
Ava captures the full enquiry and books a callback or consultation for the next available adviser slot. No call goes to voicemail. Your adviser starts Monday with a list of qualified, booked enquiries rather than a pile of missed-call notifications.
Can Ava handle a caller asking about a Mortgage in Principle?
Yes. Ava confirms that the adviser can discuss an Agreement in Principle and books the consultation. She does not initiate an AIP, check credit files, or attempt to advise on eligibility.
How does Ava handle a caller asking about interest rates?
She acknowledges the question, explains that rates depend on individual circumstances and lender criteria, and confirms that the adviser will be the right person to discuss specific options. She then books the consultation rather than attempting to answer the rate question herself.
How quickly can Ava be answering calls for my brokerage?
Typically within 48 hours. We train Ava on your firm name, greeting, service areas, and adviser availability, connect her to your CRM and calendar, then test against real enquiry scenarios before she goes live on your number.
Pricing
Ava pays for herself on call one.
A typical residential mortgage generates £1,500–£3,500 in broker fees and procuration. Miss one enquiry a day and that is significant monthly revenue walking to whoever picked up. Plans from £397/mo. One recovered job a month covers it — everything else is pure upside.
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