About
Compliance software built with mortgage advisers, not at them.
Mortevo Audit exists to make it obvious that advice given today can still be defended in three years' time.
Why Mortevo exists
UK mortgage compliance is unforgiving. Consumer Duty, MCOB, and the FCA's expectations have made the paper trail behind every recommendation just as important as the recommendation itself. Firms lose hours re-reading files, re-explaining decisions, and re-building evidence long after the case has completed.
We built Mortevo Audit because we kept seeing the same pattern: strong advisers, capable compliance teams, but a workflow held together by spreadsheets and memory. The regulator doesn't accept memory as evidence.
The problem we're solving
- Compliance reviews that live in inboxes and can't be reconstructed later.
- Findings that get logged, promised, and then quietly forgotten.
- Regulatory change that lands in a bulletin and never reaches the case worker.
- Evidence that exists somewhere — but not in one defensible place.
Our approach
Mortevo treats each review as a first-class object: it has a snapshot of the case at the point of assessment, a hash-chained audit trail, and a defensible outcome that ties back to the specific regulatory rule it was tested against. Nothing is inferred and nothing is silently overwritten.
Our regulatory engine sits underneath the workflow, not on top of it. Advisers and reviewers see a simple next action; the rule graph, evidence expectations, and Consumer Duty mapping happen behind the scenes.
What we believe
- Evidence, not opinion. Every conclusion cites the rule it depends on.
- One primary action per screen. Compliance software should reduce cognitive load, not add to it.
- AI as a professional, not a chatbot. Our AI cites sources, admits uncertainty, and never invents obligations.
- Accessibility as a floor, not a feature. WCAG 2.2 AA is a minimum, not an aspiration.
Who it's for
Mortgage advice firms, compliance functions, mortgage networks, and independent auditors operating under FCA supervision in the UK. If you write suitability reports, run file checks, or sign off on advice — Mortevo is built for you.