Bring customers into your refinance journey faster. Choose faster initial enquiries with AI Refi-Engine, or the end-to-end proposition with settlement collection, document gathering and case preparation—with human experts managing lender liaison and final progression.
Keep your Car, Pay Less!*
*Lower monthly payments may mean a longer term and higher total cost. Subject to eligibility.
01 / 02AI-led. Human-supported. Two ways to partner.
MEET KASPER KOPILOTYour Refinance AI Agent
UNDERSTAND BEFORE YOU DECIDEConfidence through clarity.
LOOK BEYOND THE MONTHLY PAYMENTSee the full picture.
↗Built around your customerTHE JOURNEY
01 Understand→02 Prepare→03 Progress
DESIGNED FOR
Comparison sites
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Brokers & lenders
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Affinity partners
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Introducer networks
01 / CHOOSE YOUR SOLUTION
Accelerate the enquiry. Or connect the whole journey.
New to refinance, or ready to give it more focus? Choose A to accelerate the initial enquiry and feed your existing sales process. Choose B for the end-to-end journey, including settlement collection, case preparation and access to CMF’s blended lender and broker panel.
ATECHNOLOGY FOR YOUR BUSINESS
AI Refi-Engine
A more detailed picture. Faster.
Get customers into your sales funnel faster, with a more detailed picture of their circumstances from the initial enquiry. AI helps bring together the information your team needs to understand their position and take the next step through your own sales process.
Initial enquiry APIs and AI-assisted onboarding
AI-assisted capture of initial customer information
Early understanding of refinance potential
Handoff into your existing sales process
BUILT FOR
Partners who want faster initial enquiries while retaining their own settlement collection, case preparation and fulfilment.
Extend the initial enquiry into an end-to-end refinance process. Collect settlement information from lenders and customers, gather documents and prepare the case, with access to our blended lender and broker panel and human-led final progression.
Everything in AI Refi-Engine
Settlement collection from lenders and customers
Voice, SMS, WhatsApp, email and document portals
Document gathering and AI-assisted case preparation
CMF lender and broker panel access
Human-led progression through to completion
BUILT FOR
Partners who want a refinance proposition with technology and fulfilment brought together.
We’re developing our enterprise offering. Modules, support channels, panel access and service responsibilities are agreed for each partnership.
02 / FROM ENQUIRY TO COMPLETION
Your Clients. A Detailed Picture. Faster.
Both solutions start by accelerating the initial enquiry. Complete connects the next stages, from settlement collection to human-led completion.
A + B · A faster startB · The complete journey
Scroll through the journey →
01A + B / INITIAL ENQUIRY
A faster way into the funnel.
Bring customers into the refinance journey with AI-assisted onboarding. Gather initial enquiry details with less repeated typing, ready for customers to review and confirm.
Initial enquiry · Customer information02A + B / EARLIER CLARITY
A more detailed picture. Faster.
Build an early understanding of the customer’s circumstances and whether refinancing may be worth exploring, giving your team more information to take the next step.
A hands over to your sales team here.Choose Complete to connect the stages that follow.
03B / SETTLEMENT COLLECTION
Bring the figures together.
Collect settlement information from lenders and customers through the agreed Voice, SMS, WhatsApp and email channels, with human experts managing lender liaison.
Settlement information · Lender liaison04B / CASE PREPARATION
Gather the detail. Prepare the case.
Client portals bring together identity evidence and supporting documents. AI supports application completion and case packaging, helping identify what is still needed to progress.
Documents · Identity evidence · Case packaging05B / HUMAN-LED COMPLETION
Expertise at the final stages.
Human experts resolve outstanding requirements and manage progression through our blended lender and broker panel. Lenders carry out their own checks and make funding decisions.
Lender and broker routes · Human expertise
Keep your Car, Pay Less!*
*Lower monthly payments may mean a longer term and higher total cost. Subject to eligibility.
OUR TARGET OPERATING MODEL
AI-led. Human-supported.
Make refinance a core part of your business, even if it is new to you or has been an afterthought. Our goal is to accelerate information gathering and case preparation, giving human experts more time for lender liaison, complex circumstances and completion.
90%
AI-led journey
Our ambition: accelerate the initial enquiry with AI. For the complete proposition, extend that support into settlement collection, document gathering and case preparation through Voice, SMS, WhatsApp, email and client portals.
10%
Human expertise
Human experts liaise with lenders, resolve exceptions and manage the final stages through to completion. Lenders carry out their own checks and make funding decisions. Human involvement follows the needs of each case, with no fixed limit.
90% AI / 10% human is our target operating model, not a measured performance result. The task scope and measurement approach will be agreed during pilots. Finance calculations follow defined rules; lending decisions remain with lenders.
THE COMPLETE ADVANTAGE
Lenders and brokers. A broader perspective.
Different circumstances call for different options. Our complete proposition combines lender access with broker-sourced products, helping customers explore refinancing that fits their circumstances.
A blended lender and broker panel brings more routes into one refinance proposition, with AI-assisted case preparation and human experts managing progression.
Available routes depend on the customer, product and agreed panel access.
A REFINANCE-SPECIFIC EXPERIENCE
There’s more to a deal than the monthly payment.
AI helps explain the comparison; the finance engine calculates the figures using defined rules. Customers can see why a lower monthly payment may still mean paying more overall.
Your refinance comparisonILLUSTRATION
Illustrative current agreement and refinance scenario
The full picture
Current
Refinance
Monthly payment
£320
£285
Remaining term
36 months
36 months
Total remaining cost
£11,520
£10,260
Balloon / additional fees
£0 / £0
£0 / £0
↘
£35 less a month. £1,260 less overall.
The same term, with lower total remaining cost in this illustration.
Sometimes, keeping the current agreement is the better outcome—and we’ll tell you when it is. Next year, we’ll be here to review your options again.
Keep your Car, Pay Less!* *Lower monthly payments may mean a longer term and higher total cost. Subject to eligibility.
03 / BUILT TO FIT
Your experience. Your integration choice.
Bring the AI-led journey into your business through a branded experience, an embed or APIs. Connect initial enquiries to your sales team with A. With B, agree the settlement collection, document portals and handoff of prepared cases alongside your integration.
↗01 / HOSTED
A branded journey
A CMF-operated experience under your branding, with less frontend development for your team.
Your brand · Managed experience⊞02 / EMBEDDED
Within your website
Bring the refinance journey into your existing site, keeping the customer experience connected.
Your website · Connected journey{ }03 / API
Your own interface
Build the screens your customers need, with AI Refi-Engine providing the agreed application capabilities.
Your frontend · Our engine
A PARTNERSHIP THAT FITS
Your Clients. A Detailed Picture. Faster.
Keep your Car, Pay Less!*
*Lower monthly payments may mean a longer term and higher total cost. Subject to eligibility.
01
Scope before scale
Choose initial enquiry acceleration or the complete journey, with clear responsibilities for settlement collection, document gathering, lender liaison and completion.
02
Commercials around your use
Platform and usage terms for the engine. Agreed service and outcome economics for the complete solution.
03
A considered integration
Review data handling, integration requirements, operational support and rollout together.
LET’S BUILD YOUR REFINANCE PROPOSITION
Your Clients. A Detailed Picture. Faster.
Tell us where you want refinancing to fit. We’ll explore faster initial enquiries or an end-to-end service covering settlement collection, case preparation, panel access and human-led completion.
