Specialist Mortgage Group, the Cardiff-based group behind Y3S Loans, Y3S Bridging and Commercial, and Chase Blue Loans, has deployed the Curvestone AI compliance platform throughout its recommendation and quality-control workflow. The integration, which runs through API into the group’s current CRM, is reside throughout 4 discrete checks and applies to each case the group processes.
Curvestone ingests name transcripts, emails, WhatsApp and textual content messages, credit score recordsdata and applicant information, then scores every file in opposition to the group’s inner insurance policies as a case progresses. The 4 checks now reside cowl doc completeness (what the platform calls procuring record validation), vulnerability evaluation, Land Registry report evaluation, and an recommendation suitability evaluation that runs every case in opposition to greater than 100 validation factors. Each report is generated in roughly 5 minutes and cites the underlying proof for each discovering.
Consumer Duty in apply
The deployment carries direct regulatory weight. The FCA‘s Consumer Duty, which got here into full power in July 2023 and prolonged to closed merchandise in July 2024, locations specific obligations on companies to establish and assist weak prospects. The regulator has additionally not too long ago accomplished a distribution evaluation of the second cost mortgage market, with suitability relatively than eligibility on the centre of its scrutiny. For a agency working throughout 40 to 50 advisers, constant vulnerability identification on the case stage is not a best-practice aspiration; it’s a compliance requirement with audit path expectations hooked up.
Barney Drake, chief government of Specialist Mortgage Group, mentioned the earlier method to vulnerability evaluation was dealt with at adviser stage and sustaining consistency throughout the staff was significantly more durable. “Now it’s driven by our policy, and takes minutes to present all evidence to the advisor, who then makes the final call,” he mentioned. Drake added that the price of the platform is corresponding to using an individual to hold out the identical work, however that the output is constant throughout each case.
Dawid Kotur, founder and chief government of Curvestone AI, mentioned the group’s current dedication to checking 100 per cent of circumstances positioned it forward of a lot of the market, and that the platform’s position was to make that oversight constant, evidenced and quick.
Scale with out headcount
The operational logic of the deployment is as a lot a capability argument as a compliance one. Specialist Mortgage Group has run quality-control checks on each case for near a decade. As the group grows, sustaining that protection with out proportional headcount development requires both course of change or tooling. Curvestone’s pitch is that by operating inside the present CRM relatively than requiring a parallel system, the platform avoids the workflow disruption that usually slows adoption of compliance tooling.
That framing locations Curvestone in a market that has seen rising funding in AI-powered regtech, significantly in instruments designed to make Consumer Duty documentation auditable at scale. Larger mortgage networks and lenders have been investing in related capabilities, and the FCA’s continued give attention to the recommendation and distribution chain in second cost lending means the stress on smaller, specialist brokers to display the identical rigour is rising.
Curvestone accomplished a £3 million seed spherical in December 2025. It didn’t disclose a valuation. The firm is headquartered in Holborn, London, and describes its focus as AI workflow tooling for complicated, high-stakes processes in regulated industries.
AI stage 1 of 5: written by Darlyn Ho; AI helped with tone, construction or wording; edited and signed off by Mark Walker, Editorial Director. What the levels mean
