MQube has enhanced its mortgage origination technology Origo with a new feature.

The update uses artificial intelligence to mirror the work of a human underwriter by suggesting rationales, in human-like language, that assesses whether an applicant meets credit policy compliance and recommends case requirements for brokers.

This step of the underwriting process would usually take a human underwriter 25 minutes per case.

MQube chief executive Stuart Cheetham says: “With 65,900* net mortgage approvals approved for house purchase in September in the UK and 25 minutes per day saved per case the time this could save in-house underwriting teams is demonstrably significant creating huge cost and operational efficiencies for lenders as well as importantly a better customer and broker experience.”

“Other operational efficiencies include better auditability, increased productivity and an improved risk profile. This is undeniably a “groundbreaking” development in mortgage technology as we enter 2026, a time when mortgage lenders revisit their business strategies.”

“The adoption of new technologies will dominant this industry in 2026 as lenders look to streamline their business models.”

Cheetham explains: “As well as our market leading Origo platform, MQube offers a wide range of AI driven mortgage technologies including, Criteria Genius our sophisticated AI chatbot, which communicates like a human being to provide instant answers to broker questions relating to a lenders policy.”

“A more recent development MQube is composing, in a new revolutionary move for this industry, is an architecture that will allow mortgage lenders to trade their mortgage debt on-chain unlocking a new level of opportunity for lenders in the UK.”

“We look forward to using our market-leading expertise in AI to bring even more technological advancements to this industry in 2026.”

Last month, MQube announced it had tokenised £1.3bn of mortgage debt on the blockchain.