OMS adds Curvestone AI compliance checks for mortgages

One Mortgage System has integrated Curvestone AI's compliance checking into its mortgage case workflow. The feature is already live with TMG Mortgage Network and Connect for Intermediaries.

The integration adds automated checks to cases submitted through the OMS platform, used by mortgage intermediaries and lenders in the UK. Submitted files are reviewed for completeness, consistency and compliance, with issues such as missing documents, data mismatches, suitability gaps and regulatory exceptions flagged within the existing OMS interface.

This allows compliance teams to assess every submitted case rather than rely on sample-based file reviews. The system examines documents including fact finds, income evidence, bank statements, identification, suitability letters and other supporting paperwork against a firm's compliance checklist.

The process does not require brokers to change how they submit cases or learn a separate system. Each check also generates an audit trail showing what was reviewed, what was found and the basis for each finding.

Curvestone said it developed the compliance checking technology through engagement with the Financial Conduct Authority's Innovation programme. That work helped shape explainability and audit requirements for AI-assisted compliance decisions.

For OMS, the move adds another function to a platform that already handles customer relationship management and loan origination. The business has more than 3,200 broker subscribers and has built lender origination systems for nine lenders, while lending transacted by users of the platform averaged GBP £1.7 billion a month in the second half of 2025.

Neal Jannels, managing director of OMS, said the integration fits the company's focus on cutting administration in the mortgage submission process.

"Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case," said Neal Jannels, Managing Director of OMS. "This integration adds a new layer to that. Compliance should support brokers, not slow them down - and by embedding Curvestone's capability directly into the OMS case journey, every submitted case gets reviewed to a consistent standard, with issues flagged to the case checker immediately."

Early users

TMG Mortgage Network and Connect for Intermediaries are the first named users of the new workflow. TMG has more than 300 advisers, while Connect for Intermediaries has more than 350 advisers and access to more than 200 lenders.

The rollout indicates the target market for the integration: mortgage networks and intermediary firms handling large volumes of case files and compliance reviews. In those businesses, file checking can be labour-intensive, particularly when teams review only a sample of submissions because of time and staffing constraints.

Dawid Kotur, Chief Executive Officer and Co-Founder of Curvestone AI, said the traditional balance between full oversight and cost had become difficult for firms to sustain.

"The mortgage industry has accepted a trade-off in compliance oversight that shouldn't exist: review everything even as your adviser base grows, and go broke, or sample-check and hope for the best," said Dawid Kotur, Chief Executive Officer and Co-founder of Curvestone AI. "This integration makes it possible for every submitted case to be reviewed to a consistent standard, with issues being surfaced immediately. It's 100% coverage without adding headcount, and outputs explainable enough to satisfy a regulator. It doesn't replace human judgement but it ensures human judgement is applied where it matters most."

At TMG, the system has been introduced as part of a broader investment in technology and operational support. The network said the aim is to use automation to free up staff time for training and adviser development rather than replace employees.

"TMG is investing heavily in the infrastructure, technology and people needed to become the leading mortgage network in the UK. We are going all in on AI, not to replace people, but to free up resource so we can invest even more time into training, development and helping our members grow. Our ambition is clear: to give advisers the best tools, the strongest support and the best platform in the market to build bigger, more profitable businesses. This is the start of a long-term AI partnership with Curvestone and another clear statement that TMG is here to lead and here to make a mark," said Scott Thorpe, Founder and Chief Executive Officer of TMG Mortgage Network.

Review times

Connect for Intermediaries said the new process is already reducing review times. Work that would usually take between two and three hours for a file review can now be compressed into minutes, allowing compliance staff to focus on feedback and coaching.

That matters in a market where firms are under pressure to maintain oversight standards across growing adviser bases. Consumer Duty and wider conduct expectations have pushed mortgage businesses to show not only that checks are in place but also that decisions and interventions can be evidenced.

Liz Syms, Chief Executive Officer of Connect for Intermediaries, said the system was designed to support that approach.

"At Connect, we've always believed that technology should strengthen compliance standards, not just add process. Working with Curvestone, we are starting to see the system compress what has traditionally been a two-to-three-hour file review into minutes. That ultimately frees our file reviewers to concentrate on higher-skilled work such as the feedback and coaching that genuinely raises adviser standards. It means better oversight across a larger volume of cases, which is better for our advisers, our compliance team and ultimately our clients," said Liz Syms, Chief Executive Officer of Connect for Intermediaries.

The integration is due to be made available across the wider OMS client base, with tailored compliance checklists for larger firms and a standard setup for smaller businesses.