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Specialist Mortgage Group puts Curvestone inside its CRM to check every specialist mortgage case

Specialist Mortgage Group, the Cardiff group behind Y3S, has embedded Curvestone in its CRM to check every case against its own policies, with the adviser making the final call.

Specialist Mortgage Group, the Cardiff-based group behind Y3S Loans, Y3S Bridging and Commercial and Chase Blue Loans, has deployed Curvestone across its advice and quality-control process. The news was announced on 19 October 2026.

Curvestone connects to the group's existing CRM through an API. As each case moves forward, it reads the call transcripts, emails, WhatsApp and text messages, credit files and applicant data, and checks the file against the group's own policies. Four checks are live:

  • shopping list validation, which confirms whether each document the lender requires is on file
  • vulnerability assessment
  • Land Registry report review
  • an advice suitability assessment that passes or fails each case against more than 100 validation points

Each report takes about five minutes and cites the evidence behind every finding. The adviser stays in control and makes the final decision. Every assessment and decision is recorded for audit and feeds the group's monthly MI and its annual Consumer Duty report.

Why it matters

Y3S has run quality-control checks on every case for almost a decade. For a compliance or operations team, the question is how to keep that level of oversight as volumes grow without growing headcount at the same rate. Here the checks run on the group's own policies, inside the system its advisers already use, and each finding comes with its evidence.

What they said

Dawid Kotur, Founder and CEO at Curvestone AI, said:

"Y3S already checks every case, which puts them ahead of much of the market. Together we've made that oversight consistent, evidenced and fast, built on their own policies and running inside the system their team already uses. We look forward to extending the work as the group scales."

Barney Drake, CEO at Specialist Mortgage Group, said:

"Before Curvestone, vulnerability assessment was done at adviser level, and ensuring consistency across 40 to 50 advisers was far more challenging. Now it's driven by our policy, and takes minutes to present all evidence to the advisor, who then makes the final call."

In the press

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