Nottingham rolls out AI mortgage platform with MQube

By Vriti Gothi

Nottingham Building Society has launched of its IDI (Inviting Difference In) Broker Portal, a new AI-powered mortgage platform developed with FinTech partner MQube. This rollout makes the 176-year-old mutual the first UK lender to bring MQube’s award-winning Origo technology to market, marking a major milestone in its digital transformation journey.

The platform, successfully piloted with London & Country (L&C) in late 2024 and early 2025, combines advanced AI with a fully automated underwriting process to deliver faster, more reliable mortgage decisions. Traditionally taking 10–14 days, approvals can now be reached in minutes. By analysing over 20,000 data points in real time, Origo validates documents and affordability instantly, only requesting additional information when necessary, reducing delays and creating a seamless experience for both brokers and borrowers.

For brokers, the IDI Broker Portal offers faster decisions, greater certainty, and more time to serve clients. Fully configurable to lending criteria and risk appetite, it enables Nottingham Building Society to respond dynamically to market needs, scale efficiently, and provide more personalised mortgage options. The platform will initially focus on residential applications, with buy-to-let, foreign national, and future propositions set to follow.

Sue Hayes, CEO of Nottingham Building Society, said, “Our partnership with MQube has been transformational for us. The IDI Broker Portal enables us to move into new markets, use different data sources, and offer mortgages to people who might otherwise struggle to access them. By modernising operations and decision-making, we aim to stand out in supporting the growing number of non-standard borrowers in the UK.”

Stuart Cheetham, CEO of MQube, said, “With our AI-powered Origo platform at the core, more brokers and borrowers will now benefit from faster decisions and a simpler, more certain mortgage journey. Nottingham is leading the way in embracing innovation that truly improves the mortgage experience.”

The launch is complemented by Nottingham Building Society’s adoption of LendingMetrics’ auto-assisted underwriting technology, further accelerating intermediary applications and supporting innovative lending propositions. Together, these advancements reinforce the mutual’s position as a modern, customer-focused lender delivering inclusive, technology-driven mortgage solutions.