Bubble Mortgage Broker CRM
Mortgage brokers orchestrate complex multi-party applications with basic CRMs and spreadsheets. A Bubble platform at $99-$249/month tracks the full application lifecycle from enquiry to completion, automates document collection, manages compliance records, and gives introducers a portal for their referrals.
Mortgage Brokers Process Complex Applications With Basic Tools
Mortgage brokers orchestrate complex multi-party transactions: gathering financial information from clients, sourcing suitable mortgage products from a panel of lenders, submitting applications, tracking valuations, and coordinating with solicitors through to completion. Most brokers manage this in a basic CRM that has no mortgage-specific logic, plus spreadsheets for sourcing notes and a paper file for compliance documents. A Bubble-built mortgage broker CRM at $99-$249/month fits the exact application lifecycle brokers navigate.
Seven Stages of a Mortgage Application in Bubble
| Stage | Key Activities | Bubble Actions | Typical Duration |
|---|---|---|---|
| 1. Initial Enquiry | Capture client details, understand requirements | Create Client + MortgageCase, assign to broker | Same day |
| 2. Fact Find | Collect income, outgoings, credit history, employment | Digital fact-find form, document upload checklist | 1-3 days |
| 3. DIP (Decision in Principle) | Source suitable lenders, submit DIP | Log lender panel search, record DIP outcome | 2-5 days |
| 4. Full Application | Submit full application with all supporting docs | Document completeness checklist, submission log | 3-7 days |
| 5. Valuation | Lender instructs valuation, track outcome | Valuation instruction, outcome recording, issue flag | |
| 6. Offer Received | Mortgage offer issued by lender | Document storage, condition tracking, expiry alert | 1-3 days |
| 7. Completion | Solicitor completion, funds transfer | Completion date, fee invoicing, case archiving | Coordination |
Beyond the Pipeline – What Makes a Mortgage CRM Complete
Document Checklist
Per-application document checklist: payslips, P60, bank statements, ID, proof of address. Client uploads via secure portal. Broker sees completion percentage at a glance. Missing document reminders sent automatically after 3 days of no upload.
Affordability Calculator
Built-in affordability estimation tool: income multiple calculator, stress test checker, and monthly payment estimate at different rates. Used during the initial conversation to set realistic expectations before any formal application.
Fee Management
Broker fee invoice generation on completion. Fee split calculation for introducers. Clawback tracking if client remortgages within the clawback period. Lender proc fee tracking alongside broker fees for total income reporting.
Compliance Records
FCA-compliant records: suitability letter generation, initial disclosure document tracking, reasons-why letter for each product recommended. Audit trail per case. Annual compliance review reminders.
Introducer Portal
Estate agents, accountants, and solicitors who refer clients log in to see the status of their referrals. Reduces the “how is my client’s application going?” calls that consume 30% of a broker’s week.
Pipeline Analytics
Cases by stage, average case duration, conversion rate from enquiry to application, completion rate, and average fee value. Monthly pipeline value forecast based on cases in progress weighted by conversion probability.
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