Product Factsheet

enhancing business per formance

“Both the regulatory systems, and market conditions, are poised on the cusp of change. In this changing environment, a tool that can help you understand and analyse your business effectively, and with reference to competitors, will be invaluable. Mortgage Clarity offers user-friendly, granular analysis of the

same data that powers the CML’s aggregate lending survey”

Paul Smee, Director General CML

Product Factsheet

Important InformationAt present all UK mortgage lenders are required to provide Product Sales Data (PSD) to the FCA on a regular basis – this contains information about every new mortgage created. In parallel the CML collect the same data from its Members - representing over 96% of the regulated mortgage market – this data is the backbone of the Regulated Mortgage Survey (RMS).

Matrix Solutions has collected aggregated and analysed RMS data for the CML since 1st January 2011. Additionally we have incorporated our large market coverage of detailed mortgage Applications data, down to broker outlet-level.

So, what is Mortgage Clarity?Mortgage Clarity is an industry wide PSD (Product Sales Data) Aggregator which allows unparalleled insight into your company’s performance against 96% of the UK Mortgage Market constituted by CML member organisations.

Additionally the high market coverage of detailed mortgage Applications data allows a forward-view of the market.

Using either simple visual dashboards (QlikView) or a more advanced statistical analysis tool (FastStats) licence holders of Mortgage Clarity are able to conduct a wealth of statistical analysis into their latest corporate performance. Everything from interrogating your highest value intermediary sales channels through to benchmarking your own average LTV rates by region can be conducted in a simple, visually and accessible manner.

Product Factsheet

What benefits does Mortgage Clarity deliver?Our use of online dashboards, advanced analytics applications, additional propriety intelligence and our proven history or successful data integration projects means that you can create and deliver analysis and reports that are insightful and accessible to audiences at all levels of your organisation.

We append the specific broker intelligence to each intermediated transaction from the RMS data, which effectively creates a fully transparent universe of intermediary mortage sales representing over 96% of regulated lending.

For the first time, CML Members will be able to see exactly who is selling their products, how to contact them and how this relates to their own sales, marketing and distribution structures. It provides:

Strategic BenefitsCompetitive Analysis

Sales BenefitsBroker Analysis

• Identification of new market opportunities

• Improve & track performace of sales and distribution pipeline

• Analysis includes Applications, Completions & BTL Data

• Profiling - identify leading areas where you are overweight or underweight for any product, loan type, loan size, LTV or borrower attributes.

• Improve Sales through better understanding of broker activity

• Monitor share of wallet with key accounts, networks and brokers

• Target the ‘right brokers’ for your products and improve prospecting

• Better informed Proc Fee analysis.

Compliance BenefitRisk Profiling

• Track exposure to risky lending. Particularly relevant in line with Basel III regulations

• Measure exposure against your peers e.g. interest only/90= ltv - risky lending

• Get a better understanding of lending into retirement.

Strategic BenefitsQuality Reporting

• The ability to monitor better understanding of broker activity

• Target the brokers most suited to your business and products

• Monitor and improve the quality of all broker applications

• Application to completion Analysis

• Better informed Proc Fee discussions.

“Mortgage Clarity has given Coventry Building Society a wealth of broker intelligence allowing us to restructure our field and telephone based teams more

effectively.”

Kevin Purvey - Head of Intermediaries, Coventry Building Society

Product Factsheet

A simple and secure web-based platformThe Mortgage Clarity dashboards offer a user-friendly interface which sits directly on top of the live data feeds, works in your web browser and requires no extra software, set-up or IT support. They allow you to build information about how the whole sales landscape affecting your product is evolving - valuable results can then be used by anyone within your organisation - distributing

key information to different groups in a timely and consolidated fashion.Working with the CML, Matrix Solutions have developed a range of dashboards that meet the requirements of a variety of firms’ departments:

Management and Market Analysis - market share by any of the RMS variables including product type, geography, time period, borrower or property type.

Intermediary Sales - broker salesperson performance, panels and KPI, and when combined with the MFID, a complete view of all underlying brokers including contact details, email addresses and profiles.

Marketing - profiles of customers and brokers (when combined with the MFID) including contact details of all brokers to support sales activities.

An example of each standard dashboard is provided in this Factsheet. Dashboards can also be customised and extended to deliver different views and analysis to meet new requirements.

Corporate PerformanceThis dashboard gives an overview of your own sales split by different variables. Use this dashboard to view top level analysis of own sales growth and sales mix versus the market.

Key BrokersThis dashboard shows you own and market sales broken down by broker firm, outlet or network. You are able to easily identify targets and existing clients where you are losing market share.

Lead GenerationThis dashboard gives you access to the contact details of brokers for marketing campaign lists.

Broker AnalysisView an account’s (firm/outlet) sales in more detail. How do purchases from you compare to overall market sales? What kind of borrower do they cater for? Has your share of their sales dropped?

Broker DetailsThe perfect dashboard for arranging a meeting; providing a snapshot of own and market sales; firm information like size, network details, contacts and a link to a map of the firm.Broker Analysis dashboard

Key Features of Mortgage Clarity

Corporate Performance dashboard

Product Factsheet

Pinpoint Helps a sales person manage their panel allowing them to understand and analyse their distribution networks when you are on the move. Using a smart phone or tablet, any licenced user can conduct geographical searches for the most relevant intermediary outlets in their chosen area. Results can be configured according to any search criteria required (e.g. gross sales, Product type, IMA sector, value etc.) with the results graphically show on a map.

Sales Team Management Sales Directors can use this dashboard in order to view the performance of their teams against a number of variables including sales value, volume and share of market.

Pinpoint dashboard Sale Team Management dashboard

Product Factsheet

“Mortgage Clarity is a vital tool for our mortgage market analysis. FastStats is a powerful yet easy to use data analytic application and helps us to get the most

out of the Regulated Mortgage Survey. We have a more detailed insight into market activity than ever before, allowing us to examine market developments

and business performace.”

Andrew Harvey, Senior Economic Analyst, Nationwide Building Society

Mortgage Clarity 55 New Oxford Street London WC1A 1BS T +44 (0)20 7074 1200 F +44 (0)20 7074 1201

E support@mortgage-clarity.com W mortgage-clarity.com