2. “Both the regulatory systems, and market conditions, are poised on the cusp
of change. In this changing environment, a tool that can help you understand
and analyse your business effectively, and with reference to competitors, will
be invaluable. Mortgage Clarity offers user-friendly, granular analysis of the
same data that powers the CML’s aggregate lending survey”
Paul Smee, Director General CML
3. Product Factsheet
Important Information
At present all UK mortgage lenders are required to provide Product Sales Data (PSD) to the FCA on a regular basis – this contains
information about every new mortgage created. In parallel the CML collect the same data from its Members - representing over 96% of
the regulated mortgage market – this data is the backbone of the Regulated Mortgage Survey (RMS).
Matrix Solutions has collected aggregated and analysed RMS data for the CML since 1st January 2011. Additionally we have incorporated
our large market coverage of detailed mortgage Applications data, down to broker outlet-level.
So, what is Mortgage Clarity?
Mortgage Clarity is an industry wide PSD (Product Sales Data) Aggregator which allows unparalleled insight into your company’s
performance against 96% of the UK Mortgage Market constituted by CML member organisations.
Additionally the high market coverage of detailed mortgage Applications data allows a forward-view of the market.
Using either simple visual dashboards (QlikView) or a more advanced statistical analysis tool (FastStats) licence holders of Mortgage
Clarity are able to conduct a wealth of statistical analysis into their latest corporate performance. Everything from interrogating your
highest value intermediary sales channels through to benchmarking your own average LTV rates by region can be conducted in a simple,
visually and accessible manner.
4. Product Factsheet
What benefits does Mortgage Clarity deliver?
Our use of online dashboards, advanced analytics applications, additional propriety intelligence and our proven history or successful
data integration projects means that you can create and deliver analysis and reports that are insightful and accessible to audiences at all
levels of your organisation.
We append the specific broker intelligence to each intermediated transaction from the RMS data, which effectively creates a fully
transparent universe of intermediary mortage sales representing over 96% of regulated lending.
For the first time, CML Members will be able to see exactly who is selling their products, how to contact them and how this relates to their
own sales, marketing and distribution structures. It provides:
Strategic Benefits
Competitive Analysis
Sales Benefits
Broker Analysis
• Identification of new market
opportunities
• Improve & track performace
of sales and distribution
pipeline
• Analysis includes
Applications, Completions &
BTL Data
• Profiling - identify leading
areas where you are
overweight or underweight
for any product, loan type,
loan size, LTV or borrower
attributes.
• Improve Sales through
better understanding of
broker activity
• Monitor share of wallet with
key accounts, networks and
brokers
• Target the ‘right brokers’ for
your products and improve
prospecting
• Better informed Proc Fee
analysis.
Compliance Benefit
Risk Profiling
• Track exposure to risky
lending. Particularly
relevant in line with Basel III
regulations
• Measure exposure against
your peers e.g. interest
only/90= ltv - risky lending
• Get a better understanding
of lending into retirement.
Strategic Benefits
Quality Reporting
• The ability to monitor better
understanding of broker
activity
• Target the brokers most
suited to your business and
products
• Monitor and improve
the quality of all broker
applications
• Application to completion
Analysis
• Better informed Proc Fee
discussions.
“Mortgage Clarity has given Coventry Building Society a wealth of broker
intelligence allowing us to restructure our field and telephone based teams more
effectively.”
Kevin Purvey - Head of Intermediaries, Coventry Building Society
5. Product Factsheet
A simple and secure web-based platform
The Mortgage Clarity dashboards offer a user-friendly interface which sits directly on top of the live data feeds, works in your
web browser and requires no extra software, set-up or IT support. They allow you to build information about how the whole sales
landscape affecting your product is evolving - valuable results can then be used by anyone within your organisation - distributing
key information to different groups in a timely and consolidated fashion.
Working with the CML, Matrix Solutions have developed a range of dashboards that meet the requirements of a variety of firms’
departments:
Management and Market Analysis - market share by any of the RMS variables including product type, geography, time
period, borrower or property type.
Intermediary Sales - broker salesperson performance, panels and KPI, and when combined with the MFID, a complete view
of all underlying brokers including contact details, email addresses and profiles.
Marketing - profiles of customers and brokers (when combined with the MFID) including contact details of all brokers to
support sales activities.
An example of each standard dashboard is provided in this Factsheet. Dashboards can also be customised and extended to
deliver different views and analysis to meet new requirements.
Corporate Performance
This dashboard gives an overview of your own sales split by different variables.
Use this dashboard to view top level analysis of own sales growth and sales
mix versus the market.
Key Brokers
This dashboard shows you own and market sales broken down by broker firm,
outlet or network. You are able to easily identify targets and existing clients
where you are losing market share.
Lead Generation
This dashboard gives you
access to the contact details
of brokers for marketing
campaign lists.
Broker Analysis
View an account’s (firm/outlet) sales in more detail. How do purchases from
you compare to overall market sales? What kind of borrower do they cater
for? Has your share of their sales dropped?
Broker Details
The perfect dashboard for arranging a meeting; providing a snapshot of own
and market sales; firm information like size, network details, contacts and a
link to a map of the firm.Broker Analysis dashboard
Key Features of Mortgage Clarity
Corporate Performance dashboard
6. Product Factsheet
Pinpoint
Helps a sales person manage their panel allowing them to understand and analyse their distribution networks when you are on
the move. Using a smart phone or tablet, any licenced user can conduct geographical searches for the most relevant intermediary
outlets in their chosen area. Results can be configured according to any search criteria required (e.g. gross sales, Product type,
IMA sector, value etc.) with the results graphically show on a map.
Sales Team Management
Sales Directors can use this dashboard in order to view the performance of their teams against a number of variables including
sales value, volume and share of market.
Pinpoint dashboard Sale Team Management dashboard
7. Product Factsheet
“Mortgage Clarity is a vital tool for our mortgage market analysis. FastStats is a
powerful yet easy to use data analytic application and helps us to get the most
out of the Regulated Mortgage Survey. We have a more detailed insight into
market activity than ever before, allowing us to examine market developments
and business performace.”
Andrew Harvey, Senior Economic Analyst, Nationwide Building Society
8. Mortgage Clarity 55 New Oxford Street London WC1A 1BS T +44 (0)20 7074 1200 F +44 (0)20 7074 1201
E support@mortgage-clarity.com W mortgage-clarity.com
