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Curvestone AI
Mortgage Networks

Checkeverycase.Not just the ones you can afford to review.

Curvestone reviews 100% of broker case files automatically — reading the messy real-world inputs networks actually receive, with an audit trail PI insurers and the FCA recognise. Currently running 25% of UK mortgage network compliance checks.

Built to the standards UK regulated networks require

ISO 27001 certified
ISO 27001
Certified
Microsoft Azure
Microsoft Azure
UK / EEA hosted
GDPR compliant
GDPR
Compliant
The problem

Why network compliance doesn't scale.

You carry FCA permission on every case — but at an hour-plus per manual review, coverage stalls at a fraction of new business. The rest goes unchecked until a complaint, FCA review, or audit forces a look back.

Sampling, not supervising

Most networks check 5–15% of new business.

A 50–90 minute manual review per case makes full coverage economically impossible — so most cases go unchecked until a complaint lands.

The false-negative problem

It's not the cases you flag — it's the ones you don't.

Missed issues compound through manual handoffs, land at the lender, and create PI exposure. False negatives, not false positives, are the problem.

Capacity vs growth

Compliance can't scale with broker headcount.

Adding ARs means adding reviewers — linearly. Summer backlogs cascade into delayed feedback and repeated errors.

Inconsistent decisions

Different reviewers, different verdicts.

ARs get mixed messages depending on who reviewed their case — which fuels internal disputes and weakens coaching.

Regulatory escalation

Problems escalate to you, not your ARs.

FOS complaints, FCA supervisory visits, and s.166 reviews all land at the principal. Every unchecked case is a future escalation in waiting.

Senior expertise wasted

Heads of Compliance run queues, not risk.

Backlog management consumes the expertise that should be running portfolio risk work and AR development.

What Curvestone does

Curvestone reviews every case in your network.

Compliance and suitability review on every adviser submission — automated, configured to your specific policy, exceptions, and judgement rules.

Six commitmentsHeld on every case
  • Coverage

    100%

    Every case checked — not a sample. Nothing slips through the net.

  • Speed

    Real-time

    Flags before submission, not weeks later. Advisers remediate immediately.

  • Consistency

    Same rules

    Every case, every time. No reviewer fatigue, no subjective interpretation.

  • FCA evidence

    Audit-ready

    Supervisory reports built automatically, traceable per case and per AR.

  • Insight

    Trends

    Trend analysis across adviser behaviour. Targeted coaching and early risk identification.

  • Fairness

    No bias

    Consistent treatment for every AR. Removes unconscious bias from manual review.

What we check

Checks across the full case journey.

A sample of what Curvestone reviews — adviser-side validation before the case is submitted, then the full file review your central team would run afterwards. Configured to your network's policy, exceptions, and judgement rules.

Pre-submission · adviser-sidePost-submission · network review
  • Disclosures
  • Income
  • Fact Find
  • Reconciliation
  • Risk flags
  • Doc quality
  • Cross-doc
  • Disclosure timing
  • Sourcing
  • Suitability
  • Vulnerability
  • Fraud flags

Hover any family to see what we check.

Examples · not exhaustive

Proven across UK networks

This strengthens our oversight process and frees up our compliance team to focus on adviser support and quality assurance.

John Kent, Managing Director, The White Rose Finance Group
25%
of UK mortgage network compliance checks
2,900+
advisers live across a tier-1 UK mortgage network
100%
case coverage, not sampling
Common questions

Answers for networks evaluating Curvestone.

See what supervisingevery case looks like.

15-minute demo. Walk through Curvestone on real cases — yours, ours, or anonymised — and the audit trail behind every decision.