Mortgage Brain and Lloyds Banking Group have collaborated to deliver the first digital full mortgage application (FMA) for Halifax.

As a result, mortgage brokers, networks and users of third-party CRM providers can now progress from sourcing to submission in one journey without the need for rekeying data or duplicating multiple processes.

Halifax’s FMA will be delivered via Mortgage Brain's Submissions Brain platform and will save brokers an average of 30 minutes on every application.

Mortgage Brain and Lloyds said the automatic pre-population of data means there will be fewer errors, leading to “quicker, more accurate” lending decisions for end customers.

Sales and marketing director at Mortgage Brain, Neil Wyatt, said: "This partnership is not just defined by what we have delivered for the mortgage industry, which is revolutionary in itself. But it’s also about how we delivered it – through true partnership and collaboration. Mortgage Brain and Lloyds have set a new standard for how lenders and technology providers can raise the bar together, delivering real benefits across the industry.

"In a market where we hear frequently about the need for industry collaboration, we have seized the opportunity and together produced something truly innovative to benefit all – lenders, intermediaries and, most importantly, the end borrower. This partnership goes to prove that with the right governance, collaboration, and shared end goal, industrywide transformation is truly possible."

Head of strategic and technology partnerships at Lloyds, Frances Cassidy, added: "Launching our first fully digital FMA with Mortgage Brain for Halifax marks a major milestone in that journey.

"By removing duplication and streamlining submissions, we’re enabling brokers to spend more time advising clients, while delivering quicker, more consistent decisions for customers.

"This collaboration reflects our broader ambition to drive innovation across the intermediary market, and demonstrates how strategic partnerships can unlock real value for the entire ecosystem."

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