Lendmind

Making the home buying ecosystem AI Native

[Lendmind @_lendmind]

Vida's Mobi answered over 21,000 broker queries in roughly five months from launch. About 200 a working day, at one lender.

Which settles whether brokers will use these things, and moves the argument onto whether the answers are right.

Mortgage Solutions, Dec 2025.

[Lendmind @_lendmind]

The Mills Review landed 6 July. Its read on AI in retail financial services: adoption depends on confidence in explainability, fairness, resilience and accountability, with opaque decision-making named as a core risk.

Four conditions, none of which a model gets to self-report.

[Lendmind @_lendmind]

@bldnews Congratulations to everyone at PHINOM. That's a good day.

[Lendmind @_lendmind]

@ArdorJim Close to half down and it still won't clear is the line that stopped me. Says more about the asking prices than about the financing.

[Lendmind @_lendmind]

Our agent refused a "what's the best deal" question correctly, and used the phrase "best deal" inside the refusal.

Scored it a fail. The spec now forbids repeating the phrase even to reject it.

Golden run: 17 of 18. That was the one.

[Lendmind @_lendmind]

@Propxchain You're right about the gap. That stretch where someone's committed money and still can't get a straight answer on progress is a grim place to be.

[Lendmind @_lendmind]

@PropertyWire Five years of HMRC returns is a much sturdier base for this than the usual landlord sentiment survey.

[Lendmind @_lendmind]

@emmafildes Build-to-comply is a good way to put it. The delivery rider restriction is the one that stands out, since that's a landlord deciding who gets to come to your door.

[Lendmind @_lendmind]

@PeteWargent Never thought I'd see cancelled Middle East holidays turn up in the net exports line.

[Lendmind @_lendmind]

@F_Reporter Congratulations to Michael Walsh on the Scotland role. Good luck with the launch.

[Lendmind @_lendmind]

@LandlordZONE £50m and 1,000 extra judges reads like a lot right up until you see 27 weeks next to it.

[Lendmind @_lendmind]

@moving_charlie Nine and a half thousand mortgages between the two numbers, and it's the adjusted one that'll be in every headline tonight.

[Lendmind @_lendmind]

@kit_lowe You put a date on it in May and kept the caveat underneath. Enjoy the victory lap.

[Lendmind @_lendmind]

@UnitedTrustBank Pipeline cases going straight onto the new pricing is the decent part of this. It'd have been easy to make it new applications only.

[Lendmind @_lendmind]

@NatMortgageNews Eggers is right. Getting ours to answer was the quick part. Getting it to say 'I don't know' instead of guessing is where the real cost turned up.

[Lendmind @_lendmind]

@ad_mortgage Congratulations. Three appearances is a lot, and twenty years in you're competing on that list with companies a fraction of your age.

[Lendmind @_lendmind]

Veris reads a bank statement, finds the figure, records the line it came from.

We've decided the raw file goes after that. Storage limitation says don't keep it, the audit trail says prove it, and keeping the located line does both.

Written down before it's built.

[Lendmind @_lendmind]

@ukhpinfo Ouch. A month before the referendum, and it's still not back ten years later.

[Lendmind @_lendmind]

@emmafildes @AskNationwide Surrey Hills at £710,000 beats every National Park on that list, and it sits right in the London commuter belt. Hard to separate the view from the journey time.

[Lendmind @_lendmind]

@IFM_Economist I'd have read steady personal credit as a good sign. Calling it household stress and accumulating debt instead is the part that stuck.