Porthos & Co

Porthos does bespoke finance for the entrepreneurial. We deliver opportunity by assembling all your data from bank accounts to property and private shares.

[Mozzle @mozzle_co]

Using AI to make mortgage lending criteria beautifully simple

Plain-English queries, real-life scenarios, probability-based matches.
Join the waitlist 👉 https://t.co/2srSyeciwX

[Mozzle @mozzle_co]

Mortgage criteria are complex.

Mozzle makes them 90% easier to navigate — helping brokers boost throughput + profits by 30%.

Instantly find lender matches for EWS1, self-employed, shared ownership + more.

Early access: https://t.co/l4kDGKpSGe

No forms. No fluff.

[Jonathan Gittos @Gittos]

I know we shouldn't be nationalist about startups, but it's so pleasing to see @wayve_ai doing such great things in AI and autonomous driving.

https://t.co/BHxavHd22U

[Paul Graham @paulg]

I support jail terms for protestors who deface famous art to get attention. They're cheating. They're taking advantage of a feature of high-trust societies — art displayed publicly in museums — and violating that trust.

[Jonathan Gittos @Gittos]

Spot on and completely agree. I’d add a step 0 (before 1) which is add AI links to the way clients want to communicate. So scrape data from phone calls and secure messaging, such as WhatsApp, rather than forcing them to login to web forms with 260+ fields. We’re already doing this as well as part of steps 1-3 at @porthos_co.

Good post.

[angela strange @astrange]

Every white collar role will have an AI co-pilot.
Some roles will be near fully automated with AI agents.
The natural place for these co-pilots/agents to live is the incumbent workflow or system of record.
But the incumbent workflows/SORs will often be too slow — how may a startup win?

1/ Insert at the data collection stage *upstream*
e.g., data for loans, insurance policies etc. is still often collected via email & PDFs - AI-ify this workflow and own the data before it gets to the incumbent SOR

2/ “AI-ify” a painful workflow performed *outside* of the incumbent (more painful than the workflow the incumbent is solving)
e.g., KYB involves multiple steps of document checking, internet searching.

3/ Integrate disparate data sources to create a *new multi-modal* system of record
e.g., sales data exists in many more systems than just Salesforce/Hubspot: emails and Slack messages, sales enablement materials, product usage data, customer support activity, public news, financial reports. Your agent could pull from better data than the incumbent.

What else? And always fun brainstorming @sytaylor

[Porthos & Co @porthos_co]

Were very pleased to be quoted in this @FT article by @MoiraONeill on the decline in individual landlords in buy-to-let. High mortgage rates, strict regulations, and reduced yields are make returns for individuals much less attractive.

https://t.co/CZO7t5P5yI

[Porthos & Co @porthos_co]

@journomadeleine Good article and, as you point out, probably a salient warning on becoming totally reliant on technology.

[George Nixon @George_Nixon97]

Multiple failed sales and bills that can be tens of thousands of pounds: The leaseholders stuck with unsellable (or at least unmortgageable) homes because of ground rent.

Great to team up again with @melyork on this for @TimesProperty
https://t.co/0aYC6IieSJ

[Today's Conveyancer @TConveyancer]

💡 OPDA calls for the government to mandate the whole home buying and selling process be digitised within 3 years

Maria Harris, chair of the Open Property Data Association (OPDA) has called for the entire home buying and selling process to be digitised and for this to happen within three years.

Full story: https://t.co/oVUOIekxxt

#Conveyancing #PropertyMarket #HomeBuying #Selling

[Porthos & Co @porthos_co]

@OpenPropData @Nationwide @Finextra You're very welcome and keep up the good work!

[Porthos & Co @porthos_co]

Sounds boring but this sort of thing is vital. @Nationwide have been at the forefront of pushing open standards and it will be you the client that benefits hugely.

Nationwide joins Open Property Data Association https://t.co/a9K58UKQ27 via @Finextra

[Porthos & Co @porthos_co]

#2 And we think that will continue, even speed up, despite the coming AI "crash" that will cause many large businesses to scale back their AI investments drastically. We think it will be a rinse n' repeat of the dotcom crash and subsequent gradual revolution.

[Porthos & Co @porthos_co]

These two articles in the @FT @akilazoe @CristinaCriddle and @theeconomist @guyscriven are spot on: despite the hype, AI adoption is slow in big business. We'd humbly add that innovation has always been driven by startups. Agree?

https://t.co/3Oq0Bg58oT

https://t.co/D5hMQkMn1d

[Porthos & Co @porthos_co]

@akilazoe @FT Good article and we "think" that must be good news for UK fintech. It's certainly a great service both business and personal.

Do you think that means they have agreed to scale back their Crypto ambitions?

[Porthos & Co @porthos_co]

@jameshurley @GrouchoClubSoho Great article

[Porthos & Co @porthos_co]

The mortgage market felt bleak and wintry for anyone looking to buy a house or remortgage last year. But the first early flowers are now beginning to bloom and we’re looking forward to spring! To give you an idea, two year fixed-rates are almost 3% lower than in summer 2023 – some as low as 4%. If you’re looking to buy or re-mortgage this spring they do get in touch. We can help you achieve the best deal and would love to talk - and we'll send you a handsome bunch of flowers on completion!

https://t.co/izyLdW1OMW
[phone]

[Paul Graham @paulg]

Twitter has improved a lot. I can remember times a few years ago when I only even continued to use Twitter to show that I couldn't be intimidated by woke mobs. But as far as I can remember I've only been dragged by a mob once in the past year, and it wasn't a woke one.

[George Nixon @George_Nixon97]

The January mortgage sale @montysblog talked about before Christmas kicked off nice and early yesterday.

Halifax and Leeds BS made some big cuts of up to 0.92%. Some of that - in Halifax’s case - was to play catch up, but, more to come?
https://t.co/a6zmv9of1B