MEETMARGO PLATFORM

PURPOSE The workflow is to collect all key data points in order to provide broker with accurate, verified information which can be used to give the customer the best mortgage options. FEATURESA questionnaire to establish.I WANT TO REMORTGAGEDo you live in the property or let it out?When does your Fixed term end?It's already endedIn the next 6 months - confirm date with date pickerIn more than 6 months - confirm date with date pickerNot sureTerm end dateProperty value £Outstanding mortgage balance £Current rate %Mortgage renewal datedd/mm/yyyyProperty addressFind address function Are you currently using a homeownership scheme // (i) Help to Buy or Shared Ownership Y/N

PURPOSETo provide users with an access point to Meet Margo's partners at Experian where verified documentation can be gathered, verified and stored within MeetMargo.NB: documentation must illustrate compliance with FCA requirements.NB: The user journey should seamlessly open Experian interface within the Meet Margo app.NOTABLE FEATURES:Data pulled back by user into home:Credit reportProof of IDProof of Address Bank StatementsBusiness Bank StatementsKYCPayslipsAre we MeetMargo going to host the documents once retrieved?• credit report• proof of address• proof of ID• personal / business bank statements• proof of income in development and should be at 60% of working UK population by end of Q3Experian can provide 80% of the client data and 100% for certain clients that we can access proof of income / payslips.

PURPOSE:To provide customers with the status of their mortgage application.NOTABLE STATES:Mortgage application submittedCredit check complete (Experian)Documents verified (Experian)Valuation InstructedLender AssessmentMortgage offer

PurposeTo collect basic data for creating the user account in the app.Notable featuresSingle First nameMiddle nameSurnameDOBGross annual salary  (Payslips)Average monthly credit commitments add in Employed/self-employed Email address/Phone No.Password

PurposeTo collect basic data for creating the joint user account in the app.Applicant 1: Notable featuresSingle First nameMiddle nameSurnameDOBGross annual salary  (Payslips)Average monthly credit commitments add in Employed/self-employed Email address/Phone No.PasswordConfirm primary applicantNB Multiply by number of applicants.

PURPOSEAllows user to receive a password reset email if/when they have forgotten their password. NOTABLE FEATURESEnter email addressNext (Button)Back arrow (Button)

PURPOSE The workflow is to collect all key data points in order to provide broker with accurate, verified information which can be used to give the customer the best mortgage options.FEATURESA questionnaire to establish.I WANT TO REMORTGAGEDo you live in the property or let it out?When does your Fixed term end?It's already endedIn the next 6 months - confirm date with date pickerIn more than 6 months - confirm date with date pickerNot sureTerm end dateProperty value £Outstanding mortgage balance £Current rate %Mortgage renewal datedd/mm/yyyyProperty addressFind address function Are you currently using a homeownership scheme // (i) Help to Buy or Shared Ownership Y/NNOTABLE FEATURESProperty value Outstanding mortgage balance Remaining term Current rate Current lenderMortgage renewal dateProperty addressadd in - Are you currently using a homeownership scheme // (i) Help to Buy or Shared Ownership Y/N

LTV calculationRates availableTerm/mo payment (can show effects of adjustment)Purpose:To provide the best offers to the customers in response to the requirements as entered by customer.NOTABLE FEATURESHeadlineLender's feeOverall costMonthly repaymentsInterest rateTermDetail:Deal periodCost over 5 yearsRate after deal endsLender incentivesEarly repayment charges.Description of dealNB this information will need to be sourced via API to 3rd party. https://www.twenty7tec.com/

PURPOSENOTABLE FEATURESProof of IDProof of addressKYCCredit reportBank StatementsBusiness Bank StatementsPay Slips (Q3-2022)

Validate mortgage applicationDiscuss insurance/gen insuranceConveyancing solicitor discussionEnd of call > Notification/checklist of what happens in the process

PURPOSEAlerting users to new pertinent information as part of their mortgage application.TRIGGERS FOR NOTIFICATIONSChange in state on timelineBroker call scheduled (from Calendly)Documents uploadedLenders pull ratesAdhoc marketing notifications

Desktop or in-personDesktop quicker but may not have the most up to date information

Defaqto - 1-5 star rating - covers building and contentsPURPOSEAlerting users to new pertinent information as part of their mortgage application.TRIGGERS FOR NOTIFICATIONSChange in state on timelineBroker call scheduled (from Calendly)Documents uploadedLenders pull ratesAdhoc marketing notifications

Payslips - 60% by Q3 > doc upload/pictureSA302 (Self employed)> further proof of incomeNeed a scanning feature/pdf upload

eg 80% complete, missing payslip (free up time for brokers)PURPOSEAlerting users to new pertinent information as part of their mortgage application.TRIGGERS FOR NOTIFICATIONSChange in state on timelineBroker call scheduled (from Calendly)Documents uploadedLenders pull ratesAdhoc marketing notifications

PURPOSE:To provide customers with the status of their mortgage application.NOTABLE STATES:Mortgage application submittedCredit check complete (Experian)Documents verified (Experian)Valuation InstructedLender AssessmentMortgage offer

PURPOSE:To provide customers with the status of their mortgage application.NOTABLE STATES:Mortgage application submittedAffordibility check complete (Experian)Documents verified (Experian)Valuation InstructedLender ValuationMortgage offerPlanned completionCompletion Congratulations Mortgage completion - Share to social - Vouchers.

PURPOSERepresents the system account of the user and provides a means of validating rights and responsibilities.NOTABLE FEATURESFirst nameLast nameemail addresspassword View password iconSubmit (Button)Cancel (Button)

PURPOSEAllows user to receive a password reset email if/when they have forgotten their password. NOTABLE FEATURESEnter email addressNext (Button)Back arrow (Button)

PURPOSEScreen displays list of key search terms for the user to select based on what the user enters into the field.NOTABLE FEATURESSearch by keywords:Client List (First/Last)Products (titles)FilesPeople

PURPOSEFilter capabilities within list screens help users to streamline their data search results. NOTABLE CONTENTSPeopleNew ClientsProductsFiles

PURPOSEThe default Homescreen within the Broker app. Awaiting Matt to provide the break down. NOTABLE FEATURESTraffic lighting system (RAG) in order to denote need of action.

PURPOSETo alert the broker to activity which requires their attention.NOTABLE FEATURES:Triggers for notifications:Chat - new messages Does Messages come up as part of the main notification channel or only above the messages part of the application.Documentation updatesNew appointments scheduledSend table for notifications (email to confirm with code - pp / disclosure)

PURPOSEA list of the broker's clients which provides an overview of product and their status from this screen the broker can progress any deals.NOTABLE FEATURESApplicant / Client profileApplicant profile imageDisplay fullnameNB: Selecting an applicant will open a full page of client informationType of productStatusPendingIn ProgressCompleteChat with ClientsBook3 dotsAccess to Experian information (could)Edit / ArchiveCLIENTS More Information:PURPOSE: Provide the detail on the client and relationship management. Including status at each stage and the associated documentation.Notable Features:Client informationClient documentationMeetMargo research - which are the best products they want to lock inBroker research / notes

PURPOSETo provide brokers with an access point to different types of 3rd party calculators in order to determine the best advice for the customer.NOTABLE FEATURESA - Mortgage Sourcing (used by client) - Best rates for client/deals link could be a link to twenty7tec. - check if availableB - LTV - opens to mortgage sourcing website (Simple/create)C - Potentially Max affordability - API to lender.Regarding the API to lender are we looking to give access to multiple lenders from here in order to determine the one of most value.

PURPOSE:To provide brokers with access to a third party tool to understand the client credit history. Fantastic if we can integrate the mortgage brain services into the application but if not possible just a link to the third party site.https://www.mortgagebrain.co.uk/

PURPOSE Third party software in order to calculate affordability.Do we have a suggestion on who can provide the third party service?

PURPOSE:Loan To Value will provide access to a better rate

PURPOSETo act as a timetable for the broker for their booked appointments, their availability for appointments, and their unavailability. NB: Requirement to sync with other calendars- such as Google, Outlook and Apple.

PURPOSETo alert the broker to activity which requires their attention. In this case it will flag that there has been a message received from a customer.

PURPOSENOTABLE FEATURESNeeds the ability to share photos and files.NB: the model based on whatsapp style.(Nice to have - voice notes)

PURPOSERepresents the system account of the user and provides a means of validating rights and responsibilities.NOTABLE FEATURESFirst nameLast nameemail addresspassword View password iconSubmit (Button)Cancel (Button)