Our single biggest overhead after salaries is our IT development budget. Every year we make incremental and often seismic advances in efficiency and precision. We have two major cloud platforms, joined by API, which allow us to seamlessly get the best out of available search technology and deliver quickly. This benefits brokers and lenders alike in the first instance. In the second instance the benefit to brokers make them more likely to send good deals to our lender clients which assists our lender clients indirectly.
We operate 100% in the cloud. This eliminates outages and allows us to use a sophisticated workflow /checklist system to process mortgage advances with extreme rapidity and at volume without errors. This is simply not possible for our competitors who fail to understand how technology is changing the landscape.
Our filing system
All files being in the cloud can be searched and manipulated with ease, including providing full copies via dropbox.