Brickflow & Together launch instant broker loan tool

Brickflow and Together have launched an automated decision-in-principle feature for brokers. The tool gives an instant decision on selected Together products through the Brickflow platform.

Called AutoDIP, the feature applies to Together's bridging loans and commercial term products. Brokers using Brickflow will see the option when Together appears among the shortlisted lenders for a deal, and can then request a decision directly through the system.

Once the required appraisal information has been submitted, Together returns a decision within seconds. This removes the need for manual handling at that stage of the application process and allows brokers to give clients an early indication of terms.

The launch follows months of technical work to deepen Together's integration with Brickflow. Together was already on Brickflow's lender panel, and the new arrangement adds an automated route for decisions in principle within the existing platform.

Brickflow operates a digital marketplace for commercial property finance in the UK. The platform connects brokers and borrowers with live rates and criteria from more than 160 specialist lenders, according to Brickflow.

Broker process

Brokers enter deal details into Brickflow and receive matching lender options. If Together is selected from that list, they can request an automated decision in principle without leaving the platform.

The change targets a stage of the lending process where delays can emerge, particularly in more complex cases. The companies pointed to market research showing that 16% of brokers cited the affordability assessment and decision-in-principle stage as a point where cases stall, while 32% of lenders identified faster decision-making as a priority for improvement.

The research was published by Nottingham Building Society and reported by The Intermediary. It highlights pressure on lenders and intermediaries to shorten response times while managing more detailed underwriting requirements.

For brokers, the appeal of an automated decision is not only speed but also less repeated data entry. By keeping the request within a single workflow, the system is designed to cut duplication and reduce the risk of manual errors as information passes between broker and lender.

The launch also reflects broader changes in specialist property finance, where lenders and broker platforms have invested in digital tools to simplify early-stage screening and improve certainty before a full application is submitted. Decisions in principle have long been a key checkpoint for borrowers seeking reassurance that a lender is likely to proceed on the stated terms.

Company comments

"This launch represents a meaningful step forward in modernising the broker application journey. By delivering instant DIPs through automation, we're providing brokers with faster certainty, reducing friction, and helping them progress cases more efficiently for their clients," Glenn Franklin-Jones, Director of Lender Relations at Brickflow, said.

Together is a specialist secured lender offering residential mortgages, short-term finance, buy-to-let, commercial and semi-commercial mortgages and loans, auction finance, and development funding across mainland UK. It has a loan book of GBP £8.4 billion and employs more than 900 people, according to the lender.

For Together, AutoDIP provides a more direct route to brokers using Brickflow for commercial property finance searches. For Brickflow, the tie-up adds another automated element to its platform as competition among intermediaries and lenders intensifies over turnaround times and borrower engagement at the start of a case.

"Working with Brickflow allows us to deliver faster, clearer outcomes for brokers at the very start of the lending journey. Instant automated DIPs help brokers move with confidence and provide borrowers with certainty sooner," said Tanya Elmaz, Managing Director of Intermediary Sales at Together.