Specialist Mortgage Group, the Cardiff-based owner of Y3S Loans, Y3S Bridging and Commercial, and Chase Blue Loans, has deployed Curvestone AI across its advice and quality-control operations to automate mortgage case oversight and support growth without a corresponding increase in headcount.
The platform connects to Y3S’s existing CRM through an API, analysing call transcripts, emails, WhatsApp and SMS conversations, credit files and applicant information. It checks each case against the group’s internal policies throughout the advice process.
Four checks are now live: shopping list validation to confirm all lender-required documents have been collected; vulnerability assessments; Land Registry report reviews; and advice suitability assessments, which evaluate cases against more than 100 validation points and return a pass or fail result.
Reports take around five minutes to generate, with each finding linked to supporting evidence. Advisers retain responsibility for final decisions, while assessments and outcomes are logged for audit purposes and incorporated into monthly management information and the group’s annual Consumer Duty report.
Y3S has reviewed every case through its quality-control process for almost a decade. The deployment is intended to preserve that level of oversight as the business grows, without requiring its workforce to expand at the same rate. It follows the Financial Conduct Authority’s completion of its distribution review of the second charge mortgage market, which emphasised suitability alongside eligibility.
An early vulnerability assessment demonstrated how the technology could support advisers. During an initial call, a customer briefly mentioned a recent bereavement but did not raise it again. When Curvestone assessed the case a fortnight later, it scanned the customer’s conversations and surfaced the reference, allowing the adviser to consider whether additional support or more time to weigh up their options was appropriate.
Curvestone AI founder and CEO Dawid Kotur said, “Y3S already checks every case, which puts them ahead of much of the market. Together we’ve made that oversight consistent, evidenced and fast, built on their own policies and running inside the system their team already uses. We look forward to extending the work as the group scales.”
Specialist Mortgage Group CEO Barney Drake also commented, “Before Curvestone, vulnerability assessment was done at adviser level, and ensuring consistency across 40 to 50 advisers was far more challenging. Now it’s driven by our policy, and takes minutes to present all evidence to the advisor, who then makes the final call.”
He added, “The investment is comparable to having a person do the work, but the outcome is consistent in every case. AI is there to assist, not to replace, and it puts me in a position to consider significant scale without depending on recruitment.”
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