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By the end of 2025, over sixteen million people in the UK were using open banking. Here's what it actually means for your mortgage application.

By Moxim Team

Open banking is no longer a pilot in UK mortgage lending. Here's what the results actually show, and what it means for your application.

By Moxim Team

Is open banking safe? Yes, when the provider is regulated. Here's exactly how the connection works and what is and isn't shared.

By Moxim Team

Self-employed and worried your income won't fit a lender's template? Here's how open banking and government-sourced income data build a fairer case.

By Moxim Team

Asked to share your bank data for a mortgage? Here's the step-by-step of what happens, and exactly what you are and aren't agreeing to.

By Moxim Team

Faster DIPs, fewer chasers, higher approval rates. Here's the commercial case for open banking affordability tools, with real broker data.

By Moxim Team

Around five million UK adults have a thin credit file, not a bad one. Here's what that actually means, and how open banking gives lenders a fairer picture.

By Moxim Team

A credit score only tells part of the story. Here's what it actually measures, where it falls short, and how open banking gives lenders the fuller picture.

By Moxim Team

Moving to the UK with no credit history? Here's the credit history paradox explained, and how open banking helps lenders see your real affordability instead.

By Moxim Team

Buying with a partner, friend or family member? Here's what lenders actually look at when two sets of finances become one joint mortgage application.

By Moxim Team

A pension, drawdown or rental income is income, not a red flag. Here's how open banking helps lenders judge older borrowers on their real finances.

By Moxim Team

A mortgage decline is a verdict on your finances at the time, not forever. Here's what your credit file is really telling lenders and how to come back stronger.

By Moxim Team

Lenders are starting to price mortgages on how much a home costs to run: how green mortgages and open banking energy data connect, and how to check your rating.

By Moxim Team

A mortgage decision usually takes three weeks, sometimes six. Here's why that's longer than it needs to be, and how open banking is cutting it down.

By Moxim Team

Open banking can prove your income fast. Your deposit from abroad still needs its own paper trail. Here's what lenders and conveyancers actually check.

By Moxim Team

4.4 million people in the UK are self-employed, and most feel mortgage lending is stacked against them. Here's the open banking angle brokers can use to help.

By Moxim Team

The FCA's Open Finance Roadmap names mortgage affordability as a priority use case. Here's what that means for brokers relying on self-declared income data.

By Moxim Team

CP26/18 is the FCA's most significant mortgage affordability intervention in years. Here's how open banking data helps brokers clear the new bar.

By Moxim Team

The average UK mortgage application-to-offer time is 12.8 days. Here's the open banking efficiency case for brokers who want to cut case prep time.

By Moxim Team

Regional and mutual building societies can now match high-street affordability tech via SaaS, not seven-figure IT projects. Here's how.

By Moxim Team