{
  "schema_version": 1,
  "lang": "en",
  "page_type": "guide",
  "source_file": "automation-mortgage-broker.html",
  "context_url": "https://hebora.be/contexts/automation-mortgage-broker.en.json",
  "url": "https://hebora.be/automation-mortgage-broker.html",
  "title": "Mortgage Broker Automation: KYC, AI Leads | Hebora",
  "meta_description": "Mortgage broker firm automation: lead qualification, pre-KYC, dossier follow-up, bank chasing, FSMA compliance.",
  "h1": "Mortgage broker firm automation: leads, KYC, follow-up",
  "lead_paragraph": "ViaFidelis: free the broker for advice, AI handles the triage.",
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  "entities_mentioned": [
    {
      "name": "Hiliyeh Bashir",
      "type": "Person"
    },
    {
      "name": "Hebora",
      "type": "Organization"
    }
  ],
  "headings": [
    {
      "level": 2,
      "text": "The real problem in a mortgage broker firm"
    },
    {
      "level": 2,
      "text": "What can be automated at a broker firm"
    },
    {
      "level": 2,
      "text": "Step-by-step method to automate a broker firm"
    },
    {
      "level": 2,
      "text": "The five automations that change daily life"
    },
    {
      "level": 2,
      "text": "What to avoid at a broker firm"
    },
    {
      "level": 2,
      "text": "Realistic costs and ROI for a broker firm"
    },
    {
      "level": 2,
      "text": "FAQ"
    },
    {
      "level": 3,
      "text": "Is an AI credit simulator FSMA-compliant?"
    },
    {
      "level": 3,
      "text": "How do you auto-qualify a real estate lead?"
    },
    {
      "level": 3,
      "text": "GDPR and bank documents — what's needed?"
    },
    {
      "level": 3,
      "text": "What does it cost to automate a broker firm?"
    },
    {
      "level": 3,
      "text": "How do you chase a bank automatically?"
    },
    {
      "level": 3,
      "text": "How do you integrate to broker software (Cadenza, eMortgage)?"
    },
    {
      "level": 3,
      "text": "Should you offer an online rate comparison service?"
    },
    {
      "level": 3,
      "text": "How do you build a portfolio of client cases without breaking professional secrecy?"
    },
    {
      "level": 2,
      "text": "Want to automate your business?"
    },
    {
      "level": 2,
      "text": "Related pages"
    },
    {
      "level": 3,
      "text": "Accounting firm automation"
    },
    {
      "level": 3,
      "text": "Law firm automation"
    },
    {
      "level": 3,
      "text": "Architecture firm automation"
    },
    {
      "level": 3,
      "text": "Real estate agent automation"
    }
  ],
  "sections": [
    {
      "heading": "The real problem in a mortgage broker firm",
      "intro": "A mortgage broker spends 60-70% of their time on admin between the first meeting and the signed compromis: document collection (payslips, tax notices, bank statements, sales agreement, work quotes), KYC, multi-bank simulations, instruction phase follow-up, bank chasing. It's coordination work more than advice."
    },
    {
      "heading": "What can be automated at a broker firm",
      "intro": "Lead pre-qualification via smart form (net income, down payment, type of property, professional situation, desired amount). 7-10 questions producing a 'fundable / to clarify / unfundable' score shown to the broker, never directly to the prospect."
    },
    {
      "heading": "Step-by-step method to automate a broker firm",
      "intro": "<strong>Step 1.</strong> Build the pre-qualification form (7-10 questions). Not too short (false positives), not too long (drop-off). Test on 20-30 leads before locking."
    },
    {
      "heading": "The five automations that change daily life",
      "intro": "<strong>1. Lead pre-qualification by smart form.</strong> Cost: 50-150 €/month (Typeform, Tally + Make/n8n). Gain: -25 to -35% time wasted on unfundable files, equivalent to 1-2 additional signed files/month."
    },
    {
      "heading": "What to avoid at a broker firm",
      "intro": "No automated credit advice, ever. The FSMA boundary is clear: AI can inform (average market rates, order of magnitude of monthly payments) but never propose ('here's the loan that suits you'). Any proposal-style advice stays human and signed by the broker."
    },
    {
      "heading": "Realistic costs and ROI for a broker firm",
      "intro": "For a solo or duo firm, expect 200-450 €/month combined tools (form + simulator + doc portal + CRM + SMS). Hebora scoping fee between 3 000 and 7 000 € depending on ambition (simple form or full orchestration with practice software integration)."
    },
    {
      "heading": "FAQ",
      "intro": "Yes if it doesn't propose — it informs. The distinction is legal but clear: 'your estimated monthly payment would be X €' (informational, OK) vs 'we propose this loan' (advisory, refused without authorisation). Have the wording validated by your FSMA compliance before publication."
    },
    {
      "heading": "Want to automate your business?",
      "intro": "Hebora helps small and medium businesses in Brussels scope their automations before touching any tool. 30 free minutes to figure out what's actually worth automating in your context."
    },
    {
      "heading": "Related pages",
      "intro": "Onboarding, document collection, tax deadlines, unpaid invoice chase."
    }
  ],
  "proof_points": [
    {
      "label": "Mandatory framework for any automation in a credit broker firm.",
      "value": "FSMA"
    },
    {
      "label": "Average mortgage dossier cycle.",
      "value": "3–6 months"
    },
    {
      "label": "Unqualified leads that consume broker time without converting.",
      "value": "~30%"
    },
    {
      "label": "Automations that free up the most professional time.",
      "value": "~5"
    }
  ],
  "internal_links": [
    {
      "label": "Hebora",
      "url": "https://hebora.be/"
    },
    {
      "label": "Assessment",
      "url": "https://hebora.be/?lang=en#diagnostic"
    },
    {
      "label": "Guides",
      "url": "https://hebora.be/?lang=en#guides"
    },
    {
      "label": "Home",
      "url": "https://hebora.be/"
    },
    {
      "label": "Automation & AI",
      "url": "https://hebora.be/automation-ai.html"
    },
    {
      "label": "Talk to Hebora",
      "url": "https://hebora.be/contact.html"
    },
    {
      "label": "Accounting firm automation",
      "url": "https://hebora.be/automation-accounting-firm.html"
    },
    {
      "label": "Law firm automation",
      "url": "https://hebora.be/automation-law-firm.html"
    },
    {
      "label": "Architecture firm automation",
      "url": "https://hebora.be/automation-architecture-firm.html"
    },
    {
      "label": "Real estate agent automation",
      "url": "https://hebora.be/automation-real-estate-agent.html"
    },
    {
      "label": "SEO & GEO Brussels",
      "url": "https://hebora.be/seo-brussels.html"
    },
    {
      "label": "AI visibility",
      "url": "https://hebora.be/geo-optimization.html"
    }
  ],
  "open_graph_image": "https://hebora.be/previews/viafidelis.png",
  "images": [
    {
      "src": "https://hebora.be/previews/viafidelis.png",
      "alt": "ViaFidelis — automated mortgage lead pre-qualification, FSMA-compliant by Hebora"
    }
  ]
}