Yourlender'sfirstresponseshouldbeadecision.Not a request for information.
Curvestone checks the case against your chosen lender's criteria before it leaves your building. Cases go in clean. Decisions come back faster. And every check leaves a record.
Built to the standards your lenders and their auditors expect
You already know which cases will bounce. You just find out too late.
A case manager reads a fact find, a set of payslips, three months of bank statements, a credit report and a valuation. On a good day, with time, they hold all of it in their head at once and spot the problem before the lender does. On a busy day they check the shopping list, tick the boxes, and send it.
That is not a people problem. Nobody reads eleven documents against a lender's full criteria set forty times a week and gets it right every time. It is a systems problem, and it shows up in your numbers as requests for information, longer time to offer, cases that fall out after you have already done the work, and a quality record that is hard to reconstruct when a lender or a regulator asks how a decision was reached.
One case. Every angle it will be judged on.
Curvestone reads the whole case, not a checklist. The same case data is examined by a library of checks, each one looking for something different. Turning a check on is a configuration change, not a new headcount.
- Criteria
- Documents
- Consistency
- Vulnerability
- Affordability
- Land Registry
- ID
- Full file
- Fees
- Rationale
- Crime flags
- Evidence pack
Hover any family to see what we check.
Examples · not exhaustive
- Shopping list validation.
- We check the case against the published lending criteria of the lender you have selected, not against a generic template. Wrong lender, wrong outcome, and you find out in hours rather than after a decline.
- Document completeness and consistency.
- Every document you should hold, present, legible, in date, and telling the same story as the others. Income on the payslips against income on the fact find against income on the bank statements.
- Vulnerability indicators.
- Signals of customer vulnerability are distributed across a case file rather than declared in one place. We surface them for your adviser to consider and record, so the assessment is made before submission rather than reconstructed afterwards.
- Land Registry verification.
- Title, ownership, tenure, and registered charges checked against the case as presented.
- Affordability sense check.
- Whether the expenditure position in the file is credible against the evidence in the file.
- Full case file check.
- The whole file, checked end to end, against the standard the case will be judged by if it is ever looked at again.
- Disclosure and fee consistency.
- What the customer was told, when, and whether the file shows it.
- Retained evidence pack.
- The case, the checks, the results, the timestamps, in one place.
Everything, every time
- Every check runs on every case in scope, not on a sample.
- Every result is timestamped and evidenced against the document it came from.
- Nothing is a black box. Each finding points at the page it came from.
From case to checked, without leaving your system.
It triggers from the case
Curvestone runs inside your case management system. The check starts from the case itself, so nobody opens a second tab.
Every document is read
Phone photos of payslips, scanned bank statements, emailed ID, password-protected PDFs. The file as you actually hold it, not the tidy half of it.
Checked against the lender you chose
Criteria, completeness, consistency, vulnerability and title. The time it adds is measured against the days a request for information adds.
Findings land back on the case
What was found, where it was found, and the evidence behind it. Your adviser decides. The record shows what they were told and when.
In the system your team already lives in.
Curvestone runs inside your case management system rather than alongside it. Our integration with OMS means checks trigger from the case itself, and results land back on the case where your team already looks.
We also work with Finova, and connect to mortgage sourcing tools, origination and case management platforms, open banking feeds and credit bureaus. If your team has to open a second tab, we have designed it wrong.
See how Curvestone connectsYour panel position is a number. We help you move it.
Lenders award their best terms, and their best turnaround, to the distributors whose cases arrive ready to decide. That judgement is made on data your lender holds and you often do not: how many of your cases required further information before a decision, and how many times.
Curvestone puts the same findings in front of you before the lender forms a view. Every case checked before it is submitted, with the gaps named and the evidence attached, so the pattern is visible to you first.
That works in both directions. The broker who introduced the case sees the same clean run, and places the next one with you.
Procuration fees are earned on completion. Every case that falls out after packaging is work you paid for and revenue you never saw.
Good operations and good records are the same thing.
In March 2026 the FCA published its review of the second charge mortgage market. Among the findings: record keeping was sometimes incomplete, which made it difficult to establish how and why decisions were reached, and which in turn weakened firms' own quality assurance. The regulator noted examples where intermediary quality assurance focused on confirming that the right documents were held to allow a lender to produce an offer. It asked brokers across the wider mortgage market, not only second charge firms, to consider those findings. That reaches bridging, buy to let, commercial and self-build distribution as much as second charge.
The same review found that intermediaries and lenders could improve the way they work together to deliver good customer outcomes. A specialist distributor is that interface. Nobody else in the chain sits in that gap by design.
The FCA also has four live themes under its Mortgage Rule Review, one of which is protecting consumers in vulnerable circumstances, and has confirmed that FG21/1 remains its guidance on the fair treatment of vulnerable customers. Its proposals on responsible lending are largely permissive, which means the gap between any two lenders' criteria is likely to widen rather than narrow.
None of that requires a new compliance function. It requires that the operational checks you already perform happen consistently, on every case, and leave a record. That is what Curvestone does. The regulatory obligation remains yours. The evidence that you met it stops being something you assemble under pressure.
Live in production, not in pilot.
Curvestone runs today inside OMS, which serves specialist brokers, packagers and bridging lenders. Checks return in minutes. Every finding carries a reference to the document it came from, so nothing has to be taken on trust.
The questions distributors ask first.
Run it on tenof your own cases.
The fastest way to judge this is to point it at cases you already know the answer to. Send us ten completed files. We will run the full check library and show you what we found, where we found it, and what a lender would have asked you about.