An automated 2nd charge mortgage pipeline. Every declined case gets a full HMLR title check, desktop valuation, KYC pass, and lender-matched route — all before you lift a finger.
Every broker has a folder full of declined cases. A first charge wasn't possible — but nobody checked whether a 2nd charge could work. Those files are sitting there. The equity is there. The clients are still looking. The question is who finds the route first.
Most brokers don't have the process or time to revisit declined clients for alternative products. They move on. The client does too — to someone else.
Title checks, desktop valuations, KYC — each one takes time you could spend on new cases. Manual 2nd charge assessment is why brokers don't do it consistently.
The 2nd charge lender market is fragmented. Without a systematic routing engine, you're relying on relationships and memory. Cases that should complete don't.
Without a CRM built for this product type, you can't see which cases are ready, who needs chasing, and what the conversion rate actually is across your book.
itsadecline is a purpose-built pipeline that takes a declined case and runs it through a full 2nd charge assessment — automatically, under your brand.
We pull live title register data from HMLR on every case. Ownership confirmed, charges identified, restrictions flagged — before a minute of your time is spent.
Automated desktop valuation gives you an indicative property value and usable equity position on every case. No delays. No cost to the client at assessment stage.
Automated KYC checks run in the background. ID verification, AML screening, PEP and sanctions checks — all logged, all compliant, all done before you speak to the client.
Our routing engine compares the case profile against current lender criteria across the 2nd charge market. Best-fit lenders surfaced with indicative terms — no guesswork.
Every case tracked from entry to completion. Status updates, equity values, next actions, conversion rates — all visible in your white-label dashboard.
Every client-facing element carries your brand. Your clients never see itsadecline. You present a seamless, professional 2nd charge service as if you built it yourself.
Your white-label CRM shows every case in real time — from initial HMLR check through to lender routing and completion. Nothing gets lost. Nothing goes cold without you knowing.
| Client | Property | 1st Charge Balance | Est. Equity | Status | Lender Match | Action |
|---|---|---|---|---|---|---|
| J. Hartley | LS7 4PL — Semi-det. | £187,000 | £94,000 | Lender Routed | United Trust Bank | |
| S. Begum | B12 9QR — Terrace | £142,000 | £58,000 | Valuation | Pending | |
| T. O'Brien | M14 5RK — Flat | £210,000 | £45,000 | KYC | Pending | |
| P. Singh | SL2 2BN — Det. | £310,000 | £185,000 | Lender Routed | Pepper Money | |
| A. Williams | CF10 1ET — Terrace | £95,000 | £32,000 | HMLR Check | — | |
| M. Patel | NG1 3AL — Det. | £228,000 | £112,000 | Offer Received | Together Finance |
£299/month covers unlimited cases, full white-labelling, and everything in the platform. The more declined cases you process, the better the unit economics.
5 free trial slots available. If you're a mortgage broker with a book of declined cases — this is built for you.