Adastr

Solution Brief

The AI Mortgage Criteria Assistant

Instant, accurate answers to criteria and policy questions, powered exclusively by your own lending rules and documentation. Fewer repetitive enquiries, faster responses, and consistent answers across the business.

The problem it solves

Building Societies are under increasing pressure to deliver faster, clearer guidance to brokers while managing rising workloads internally. Four patterns come up again and again.

Slow access to criteria

Teams spend time searching through PDFs or responding to repeated queries from brokers.

High volume of repetitive enquiries

Underwriting and support teams are overloaded with simple clarification requests.

Inconsistent interpretations

Criteria can be understood differently across teams, leading to variation in responses.

Limited out-of-hours support

Broker queries continue outside core hours, creating delays and backlogs.

Core capabilities

The assistant delivers immediate, natural-language answers to criteria and policy questions, whether your team is responding to broker queries or navigating internal policy.

Lookup

Instant criteria answers

Teams get direct answers to questions such as:

  • "What's the maximum LTV for a new build house?"
  • "What's your max LTV for BTL?"
  • "Are ex-pat applicants eligible?"
  • "What documentation is required?"

No menus. No filters. Just direct answers.

Accuracy

Accurate and guard-railed

Responses use your verified criteria only. Every answer is traceable to its source, and anything outside scope is declined rather than guessed. Control is fully retained by your team.

Availability

24/7 access to answers

The assistant operates continuously, so brokers and teams get answers without waiting for phone lines or email replies.

Deployment

Multi-channel by design

The same assistant can sit on broker portals, your public website, internal knowledge bases, and adviser tools. One knowledge base, deployed wherever the questions arrive.

Maintenance

Easy to keep current

Criteria updates are simple. You send the revised wording, and we update the knowledge base. No internal engineering required.

How it works

Four steps from your documents to a live assistant, with your team in control at every stage.

1) Ingest and structure

Your lending criteria, FAQs and documentation are structured into a clear, searchable knowledge base.

2) Review and validate

Your team verifies the responses and tone before anything goes live.

3) Deploy and brand

Your assistant is deployed with your branding and website style guidelines.

4) Monitor and update

We provide usage reports, refine the model, and update the criteria as they evolve.

Flexible use across your organisation

Internal

Team support

  • Access lending criteria and policy instantly
  • Reduce internal interruptions and repeated queries
  • Ensure consistent interpretation across teams

External

Broker support

  • Provide self-service access to criteria
  • Reduce inbound enquiries
  • Improve broker experience

Typical territory: mortgage criteria lookups, applicant rules, property eligibility, affordability rules, income types, portfolio landlord checks, documentation requirements, fee structures, and BTL criteria.

Why choose the AI Mortgage Criteria Assistant

Built for building societies

Not generic AI. Purpose-built for the complexity of mortgage criteria in the mutual sector.

Rapid deployment

Live in weeks, not months. No six-month IT programme to get started.

Measurable impact

Designed to cut repetitive inbound enquiries and improve consistency, with usage reporting so you can see exactly how it is being used.

Secure by design

All data remains private and controlled. Your criteria stay yours.

Scalable

Scales with broker demand without adding staff workload.

Prove it yourself

Try the live assistant below, built on a UK Building Society's published lending criteria, and judge the accuracy against the source documents.

Prove it yourself

Try the live assistant

This is the same assistant that powers our demos. It is presented here as Astra, our fictional demo lender, and it answers from a UK Building Society's published lending criteria. Ask it a real question and judge the accuracy against the source.

Want to see it in place on a lender's site? Open the full demos.

Get started

If you'd like a walkthrough, or want to explore how this could support your teams and broker interactions, we'd be happy to show you a live version and discuss rollout options.

Email us to book