For brokers
More advice, less admin.
Moxim's verifiable credential gives brokers pre-verified customers and replaces hours of manual verification per case. This lets you focus on advising, not chasing documents.
Moxim Credential · broker view
Illustrative credential seal- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property
- Credit (with the client’s authorisation)
- Open Banking: account facts
The broker view does not include the behavioural open-banking detail. Illustrative demo.
When a client shares their credentials with you
Customers first build their credential, then they choose who sees it. That choice is where you come in. Here is how it works:
- 01
A client shares with you
Your client completes verification with Moxim — identity, Government-sourced income, affordability from their real transactions, property detail, and credit with their authorisation — then chooses to share the credential with you.
- 02
It arrives ready to work with
The credential lands directly with your firm: no chasing payslips, statements or certified ID. New firms can view credentials shared with them free for 14 days, no card needed.
- 03
You start at the advice
The verification chase is already done, so the first appointment starts where it should: on your client’s options.
What a verified credential takes off your desk
- Chasing payslips, bank statements and ID documents
- Manually keying and re-checking income and outgoings
- Re-verifying what another party has already verified
Industry-reported
6–10 hours of admin per case
Industry tooling vendors and trade press put the manual verification and admin their tools replace at six to ten hours per case (Smartr365; Mortgage Solutions, July 2025) — vendor-reported figures, not independent studies. A pre-verified credential replaces most of that same chase. Indicative, not a guarantee; actual time depends on the case and your process.
Credentials vs the Chase
The broker platform aggregates a client’s finances across every account, runs a soft credit check with no footprint, and produces an affordability dial — the things you would otherwise chase documents for, shown here on one synthetic household.
Connected-bank facts — no statements to chase
Soft credit check — no footprint
Illustrative, synthetic example — not a real credit file.
Affordability, already read
Share of income remaining after commitments · illustrative
Shown with the platform’s real interface components on one synthetic household — illustrative data, an illustrative methodology, not a regulated assessment or a lending decision.
Moxim: the readiness layer
Clients come to you already verified. The credential carries the documents you would otherwise collect across stages 1 and 3, so your first conversation is about the relationship and your client’s property goals — not a paperwork list.
Illustrative of what a verified credential carries for a connected Open Banking and KYC-verified profile. Moxim does not advise on mortgage products, make lending decisions, or issue suitability letters. Those are regulated activities your mortgage adviser performs.
The UK mortgage journey, stage by stage
- 1
Before searching
3 docs on credentialFind a mortgage adviser, understand your budget, and get a Decision in Principle (DIP/AIP).
Documents you provide
- Identity proofon your credential (KYC-verified)
- Address proofon your credential (KYC-verified)
- Payslips (3 months)on your credential (Government-sourced income)
From your adviser
- DIP/AIPYour adviser's role
- Terms of BusinessYour adviser's role
- Privacy noticeYour adviser's role
- 2
Find a property
Make an offer via the estate agent. On acceptance, provide deposit proof and your DIP, then instruct a solicitor.
Documents you provide
- Deposit bank statement
- DIP/AIP (from stage 1)
- 3
After the offer
3 docs on credentialYour adviser recommends the suitable product. You confirm, they submit the full application. Allow 2 to 6 weeks for approval.
Documents you provide
- Bank statements (3 months)on your credential (Open Banking transactions)
- Deposit statements (6 months)on your credential (Open Banking transactions)
- Credit reporton your credential (with your authorisation)
- Immigration sharecode (if applicable)
From your adviser
- Mortgage product illustrationYour adviser's role
- Fee agreementYour adviser's role
- Building-insurance quoteYour adviser's role
- 4
Completion
Lender issues the offer letter. Solicitor sets exchange and completion dates. Loan transfers and keys are released.
From your adviser
- Offer letter (from lender)Your adviser's role
- Suitability letterYour adviser's role
- Protection-insurance quoteYour adviser's role
Stage structure is educational and broadly representative of UK residential mortgage applications via a mortgage adviser. Specific requirements, timescales, and fee timing vary by adviser and lender. This is not financial advice. Moxim provides verification and readiness services only; the mortgage adviser provides advice, arranges the mortgage, and issues the required suitability letter.
A carefully scoped view
The broker view is carefully scoped. You receive what you need to advise; the behavioural open-banking conduct detail stays private to the client.
What you receive
- Identity (KYC + AML screened)
- Income (Government-sourced)
- Affordability
- Property
- Credit (with the client’s authorisation)
- Open Banking: account facts
What stays private
- Open Banking: behavioural conduct signals (lender view only, with explicit customer consent)
The behavioural depth stays with your client. Your own regulatory responsibilities stay with you.
Plans
From £99 a month
Every paid plan receives shared credentials, a listing in the factual broker directory, and consumer-authorised soft credit checks. Larger plans add team seats, included checks, verified reviews and analytics.
No obligation: new firms can view credentials shared with them free for 14 days, no card needed.
Prices are indicative, not yet available, and subject to confirmation before the pilot launch. Full plan detail is shared in the pilot conversation.
Join the Directory for Free
Subscribed firms appear in a factual directory ranked by objective criteria: distance, reviews, fees, lender panel and response time, so customers are able to compare based on criteria they choose. Ranking is never influenced by what you pay; “Featured” profiles are clearly labelled. It is a listing, not a referral.
A partner, not a competitor: clients bring you a verified credential; Moxim does not arrange or broker mortgages.
Shown at the FCA Mortgages TechSprint 2025 · not yet PRA-authorised or FCA-regulated