Smartr365
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An end-to-end mortgage and protection platform that automates the mortgage process and integrates brokers, estate agents, homebuyers and lenders.
Also known as Smartr365 Finance Limited
Founders & leadership
Investors · 5
Also in the syndicate · 2
Company profile
researched Aug 2026Smartr365 (legal entity Smartr365 Finance Limited) is a London-based mortgage technology company that provides an end-to-end mortgage and protection platform for advisers, brokerages and their clients. The system combines CRM, client data capture, credit checks, automated data validation, compliance oversight, mortgage processing, document management and case tracking, giving advisers a single view of a client's financial information including mortgages, insurance, pensions and investments. Client-facing tools support product identification and live case updates, while lender-facing components allow applications to be submitted directly to lenders and offer progress to be tracked automatically.
The platform is cloud-based and built on Microsoft Azure platform-as-a-service, with integrations to Outlook and SharePoint, analytics delivered through Microsoft Power BI and, earlier in its development, a migration to Azure Synapse for analytics on large, group-structured brokerages. Smartr365 also operates a marketplace of integrated service providers such as Experian, Uinsure and Smoove, and maintains lender integrations with firms including Barclays, Halifax, Nationwide, NatWest, Leeds, TSB, Accord and Aldermore. Since 2025 the company has added a series of AI-based features covering document import, case import, compliance and customer success, alongside the SmartrFlow sales journey designer.
The company reports a client base of mortgage distributors and networks including Legal & General, Sesame, Openwork, Just Mortgages and Capricorn Financial Consultancy. Sources describe headcount of roughly 39-60 employees depending on the reporting date, and the company is classified in IT services and consulting.
Founding story
Smartr365 was founded by Conor Murphy, who had previously founded Capricorn Financial Consultancy, described as London's largest independently owned mortgage broker, which he ran from the age of 25. Frustrated by paperwork, duplicated data entry and long lead times in the mortgage process, he set out to build a 'one-stop-shop' for mortgage brokers that automates large parts of the homebuying journey and lets advisers spend less time on administration.
Business model
Smartr365 licenses a SaaS platform to mortgage brokerages, adviser networks and distributors, described by its investor Pembroke VCT as a scalable SaaS model. Revenue is associated with platform adoption across broker firms, supplemented by a marketplace of integrated third-party service providers (for example Experian, Uinsure and Smoove) and direct-to-lender application infrastructure.
Software-as-a-service platform sold to mortgage brokerages and adviser networks, with an integrated marketplace of third-party providers; a third-party data provider estimated annual revenue in the $1m-$10m range as of July 2026.
Traction
Trade press reported almost 4,000 platform users and 60 employees as of May 2023. Pembroke VCT stated that around 25% of UK mortgage intermediaries use the platform. Clients cited include Legal & General, Sesame, Openwork, Just Mortgages and Capricorn Financial Consultancy, with lender connections to Halifax, Nationwide, NatWest and Barclays. A consultancy partner states the company has raised over £11m. A data provider estimated approximately 39 employees and $1m-$10m annual revenue as of July 2026.
Latest developments
Through late 2025 the company launched a series of AI capabilities: an AI document import feature (October 2025), AI Compliance (October 2025), AI Case Import (October 2025), Agentic Customer Success AI, a large language model tool for brokers (October 2025), and an enhanced reporting suite powered by Microsoft Power BI (October 2025). In April 2026 it partnered with Pure Protect to enable in-CRM referrals for protection and general insurance, and in July 2026 it expanded its platform partnership with Just Mortgages to add Experian credit reporting, Yoti digital identity and Smart Currency Exchange.
▸Full profile — market position, technology, go-to-market, geography, history
Market position
Investor materials describe Smartr365 as a leader in UK mortgage intermediary technology, stating that mortgage intermediaries account for around 90% of the UK mortgage sector and that roughly 25% of those intermediaries use Smartr365. Trade press has described it as a market-leading mortgage platform with major investors including Experian and Legal & General. Comparable companies cited by a data provider include Twenty7tec, Mortgage Brain, Habito, Online Mortgage Advisor, Dashly and Mojo Mortgages.
The platform positions itself as a single end-to-end system spanning brokers, estate agents, homebuyers and lenders rather than a point tool, pioneering automated direct-to-lender application submission for the sector. Other stated differentiators include a marketplace of integrated providers, reduced onboarding time for new brokers, fewer application errors, live client updates, and a Microsoft Azure-native architecture that fits firms already using Microsoft 365.
Technology
The platform runs on Microsoft Azure platform-as-a-service and Azure serverless technologies, with integrations into Outlook and SharePoint and reporting built on Microsoft Power BI; an earlier migration to Azure Synapse supported analytics for larger organisations with complex group structures and high transaction volumes. Capabilities include APIs for direct submission of mortgage applications to lenders (the LendrConnect mortgage API), automated case updates, automated data validation and, more recently, large language model-based features for compliance, document import, case import and customer success. The company achieved and maintains ISO 27001 certification. Web technologies reported include Atlassian, styled-components, Tailwind CSS, Google Tag Manager and Yoast SEO.
Go-to-market
The company sells to broker firms, networks and distributors, and expands through platform partnerships and integrations with lenders (Barclays, Halifax, Nationwide, NatWest, Leeds, TSB, Accord, Aldermore) and service providers (Experian, Uinsure, Smoove, Pure Protect, Yoti, Smart Currency Exchange). Investment proceeds announced in December 2024 were earmarked in part for expanding sales and customer success teams and increasing marketplace usage. A soft launch in late December 2018 brought more than 20 broker firms onto the platform.
Mortgage and protection advisers, independent financial advisers, mortgage brokerages and large broker networks and distributors in the UK, together with the lenders and service providers that connect to them.
Geography
Headquartered in London, United Kingdom (1 Queen Caroline Street, London W6 9YN), serving the UK mortgage market; a data provider reports employees on one continent, Europe.
History
A data provider gives a founding year of 2016, while a company profile in trade press states the year established as 2017. The company began developing its proposition after seed investment from Fig VC in December 2017. In June 2018 it engaged consultancy endjin to refine its proposition and assess technical direction ahead of Series A. In August 2018 Legal & General became the largest external investor, enabling the team to grow from about 10 to 35 people, and a soft launch in late December 2018 added more than 20 broker firms. In October 2019 endjin took on a 'Virtual CTO' role under a cash-and-equity arrangement, contributing to strategy, organisational design, the Azure Synapse migration and ISO 27001 certification. By May 2023 the company reported almost 4,000 users and 60 employees. In December 2024 it raised £5m in a round led by new investor Pembroke VCT, followed through 2025 and 2026 by a series of AI product launches and partnership expansions.
Compiled by commissioned research from 6 cited public sources — announcements, filings, and press listed under research sources below.
Key figures
latest reportedCompany-reported or press-reported figures, each dated to when it was claimed — not independently audited.
Timeline · 13
launches, deals, and filingsSmartr365 and Just Mortgages expanded their platform partnership with the addition of Experian credit reporting, Yoti digital identity and Smart Currency Exchange.
Smartr365 partnered with Pure Protect Limited to let mortgage brokers refer clients for protection and general insurance support directly within the CRM.
Smartr365 launched an enhanced reporting suite built on Microsoft Power BI.
A large language model tool intended to support brokers and reduce time spent on tasks.
AI Case Import was added to the mortgage and protection platform to speed up processes for advisers.
An embedded AI Compliance function was launched to provide consistency and oversight for advisers.
Smartr365 introduced an AI document import feature to streamline mortgage applications.
Smartr365 secured £5m in funding to grow the team and enhance the platform. Pembroke VCT led as a new investor with a £3.5m investment for 15.2% ownership, alongside Calculus Group and Smart Currency. Funds were allocated to platform development, client and third-party integrations, and expansion of sales and customer success teams.
Consultancy endjin was engaged as 'Virtual CTO' under a cash-and-equity arrangement, taking a stake in the company and supporting strategy, organisational design, the Azure Synapse migration and ISO 27001 certification.
Late December 2018 saw a soft launch of the platform, with more than 20 broker firms joining.
Legal & General came on board as the largest external investor, enabling the team to grow from about 10 to 35 people.
Smartr365 raised £3m from the FinTech business of Legal & General; L&G managing director of FinTech Nick Frankland joined the board. Proceeds were earmarked to accelerate product development, including wider availability of the LendrConnect mortgage API.
Smartr365 received a £1m seed investment from Fig VC to support development of its mortgage support technology, after which it began developing its proposition.
Dated company events from announcements, filings, and press; legal rows summarize public dockets and regulator releases.
In the news
Mortgage 400 raises over £26,000 for charity - The Intermediary - Latest UK mortgage newstheintermediary.co.uk · Aug 2026▸Research sources · 6
primary sources listed
- Smartr365 raises £3m in new fundingfintech.global · web
6 public sources were cited for this profile; the first-party ones are listed here.
Frequently asked questions
- What does Smartr365 do?
- UK end-to-end mortgage and protection platform automating broker workflows and direct-to-lender applications.
- Who founded Smartr365?
- Smartr365 was founded by Conor Murphy.
- Who are Smartr365's investors?
- Smartr365's investors include Calculus Capital Ltd., Pembroke VCT, Legal & General.