Mortgage Brain has launched its first AI Charter, a formal framework setting out how AI should be built, governed, and deployed responsibly.

The AI Charter is built around four pillars, each addressing a distinct risk area for mortgage firms adopting AI, including cost, intellectual property and data sovereignty, consistence and speed and fit for purpose.

The mortgage technology provider designs and controls its own models, trained exclusively on mortgage industry data, generating outputs in real sector knowledge rather than the broad data sets that public AI models draw from.

Mortgage Brain chief executive Zahid Bilgrami recognises that while AI capability has dominated the conversation, the harder questions related to governance, cost, data sovereignty, and compliance-grade reliability, have gone largely unanswered.

Bilgrami explains: “Brokers and lenders deserve a clearer picture. We needed a documented framework that customers, compliance teams, and partners can actually interrogate. Too many firms are making procurement decisions without asking the right questions.”