Meet the mortgage experts at Acre

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When Acre set out on its mission to make home-buying easier, we knew that it would be impossible to be the best technology provider in the mortgage industry without the help and guidance of the experts within it.

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Our first steps were critical to the quality and performance of Acre’s platform today. We started by spending a year with brokers, lenders, clubs, and insurers and gathered a team of experts along the way, including (now ex!) brokers and mortgage administrators, with first-hand experience of the challenges our customers face.

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In a similar fashion to the notorious race between the tortoise and the hare, taking our time to lay the right foundations at the start may have been slow, but it meant that Acre has since been able to accelerate forward and over the course of a few years building an industry-leading product, bespoke to its users.

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We’ve caught up with some of the key players in shaping Acre’s product and customer experience to learn more about their roles and how their industry knowledge has been impactful at Acre.

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Meet Sam

As Head of Product, Sam's focus is ensuring that Acre meets the needs of our customers (and then some!). His list of skills and responsibilities is seemingly endless but ultimately Sam oversees the innovation and improvement of Acre’s product as well as the day-to-day product management to make sure our product is constantly growing to suit our customer’s needs.

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What did you do before Acre?

I’ve worked in financial services my entire career, including time working directly as a mortgage advisor and running a large team of advisors.

 

How has your previous experience benefitted your role there?

Like many of our users, I was massively frustrated by how much manual ‘busy work’ was involved in the process of completing a mortgage for a customer. Often the systems I (or my team) used were not ‘additive’ to the process and were only really being used because we had to, rather than them actually making my job easier!

 

How would Acre’s product have made your life easier in your previous role?

As an advisor, a massive reduction in the amount of manual work involved – mainly eradicating having to ‘copy and paste’ 101 fields into 4 different systems for every case – as well as huge time savings by having access to the same level of data as the lender (Credit reporting, ONS, property insights etc.).

As a manager/business owner, the benefit of having all of my data and process in a single system would be immeasurable!

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Meet Morgan

  

As one of Acre’s Product Managers, Morgan’s in charge of the development of our Client Portal. She’s an absolute all-rounder, collaborating with pretty much everyone in Acre’s team, working with product, engineering, design, customer success, sales, and senior management to gather complex requirements, balance priorities, and ship the right products and features to the market.

 

What did you do before Acre?

My last job was at a digital mortgage brokerage startup, where I worked as a Mortgage Advisor, before this I was at HSBC. I have had quite a varied career, where I have also lived and worked abroad for several years. I started my working life in the retail sector, working in the press and marketing departments of large-scale fashion and lifestyle businesses.

 

How has your previous experience benefitted your role there?

Working as a Mortgage Advisor was something I really enjoyed, but often felt let down by how rigid and old-school the industry can be. I think with these real-life experiences I can speak with conviction on issues brokers have and try to build our product to ease their daily struggles.

 

How would Acre’s product have made your life easier in your previous role?

When I was an AdviserI counted all the different services I had to use to do my job and when I got to 11, I stopped counting! Having everything in one place just makes the job that much easier.

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Meet Richard

As one of Acre’s Customer Success Associates, Richard works at the frontline of customer interactions to help our users get the most out of our platform. He plays a critical role in managing customer escalations, upcoming product changes, and delivering resolutions to any issues and is an important advocate for user needs, ensuring the Acre product continually delights our customers.

 

What did you do before Acre?

I was previously working as a Mortgage Processor for a mortgage brokerage part of a large financial advice network.

Prior to that, I was working for an online mortgage brokerage, Trussle, where I was a Mortgage Processor /Customer Success representative.

Before joining Trussle, I was working for One Family and set up their equity release lending arm as a Business Support Analyst and Mortgage Processor.

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How has your previous experience benefitted your role there?

My previous experience over the years has benefitted my understanding of the market immensely and I know what it’s like to work for both mortgage brokers as well as mortgage lenders.

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How would Acre’s product have made your life easier in your previous role?

I have primarily worked with proprietary bespoke systems that have a very off-the-shelf feel.

I think that Acre would have particularly made my life easier at the point where we needed a system that was bespoke to our needs, being it storing customer information to source products to the benefit of knowing when your client's mortgage terms end. What Acre offers is vital for a brokerage with a lot of re-mortgage cases.  

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Meet Nikki

 

As one of Acre’s Quality Assurance Analysts, Nikki helps to ensure that our apps are of the highest quality and all features are up to scratch before we release them to our customers. Nikki is in charge of making sure what we build as a team passes all our criteria and works as expected.

 

What did you do before Acre?

I have had quite a few roles relevant to my job at Acre, starting my career as a Mortgage Administrator and then moving into the world of Quality Assurance (QA), working on software in financial services and in start-up environments.  

 

How has your previous experience benefitted your role at Acre?

Having a combination of experience in QA, financial services and start-ups has given me a great platform to understand what is required from both the Customer POV. Also, my experience of being able to work in a fast-paced start-up environment, helps to ensure that the product is not only turned around quickly but with the highest quality.

  

How would Acre’s product have made your life easier in your previous role?

Acre has a product where you can add all the information required prior to Sourcing and not just for mortgages but also protection. This will save Brokers/Advisers a huge amount of time as it combines the customer’s lending and product needs, therefore making the journey a quicker and smoother experience for everyone.

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Want to learn more?

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If you’re interested in checking out what your industry peers have been working on in the world of tech, book a demo to learn more about us and see how our platform can make your life easier.

Acre is now Score

What's changed?
What's changing is the name and the way we look. Acre is now trading as Score, with a fresh brand identity to match, but everything you rely on stays exactly where it is. It's still the same mortgage all-in-one platform that advisors, firms, and networks across the country already use to grow their businesses, now presented under a name that brings us in line with the wider ClearScore Group.
Why the new name?
ClearScore acquired Acre earlier this year, and we've carried plenty of momentum into life as part of the Group since. Moving to the Score brand is a natural next step, because it brings us in line with ClearScore and reflects the mission we share, which is to make home buying quicker and easier and to help people take control of their financial lives. As our founder and Managing Director Justus Brown has put it, the day-to-day service you receive won't change at all, and bringing our brand together with the Group simply makes that shared mission clearer.
Has the mission changed?
Not in the slightest! We have always been here to make home buying quicker and easier, taking the pain out of the process so that people can get into their homes sooner, and that is exactly what we will keep doing, with a good deal more behind us now to do it well.
Will the service change?
No, it won't, you'll continue working with the same platform and the same people, and your existing contracts and commercial terms stay exactly as they are, still held with the same legal entity, Acre Platforms Limited. Our Customer Success team will keep looking after you just as they do today.

About ClearScore

Who is ClearScore?
The ClearScore Group is a global leader in financial marketplaces, helping over 27 million people access credit, insurance, and other financial products with greater transparency, fairness, and control. It founded its flagship UK credit marketplace in 2015, has since expanded across four continents and into new verticals such as its DriveScore app, and now works with over 200 partners worldwide. ClearScore is profitable, growing, and on a mission to make personal finance clearer, calmer, and easier to understand, and that mission runs right through its culture, along with a genuine belief in giving people more clarity and control over their money.
How do we fit into ClearScore?
We sit alongside ClearScore's other technology platforms, including D•One, its open banking service for lenders, together powering borrowing and home lending across unsecured credit, auto finance, and now mortgages.

What does the change
unlock?

What does joining ClearScore bring?
Joining ClearScore gives us a great deal more room to grow. With their backing, we can accelerate our technology roadmap and bring new AI-powered features to the platform faster than we could before, and we can enrich what we build with ClearScore's proprietary data and insights, getting cutting-edge technology into the hands of mortgage and protection businesses sooner.
What do brokers and firms stand to gain?
For the brokers and firms who use us, it really comes down to growing faster. Drawing on ClearScore's financial power and its UK user base of over 16 million, we can build the features you ask for more quickly and bring more leads into the ecosystem, which gives brokers, networks, and advisors more opportunities to win new business.
Is the business growing?
We're growing quickly, and so are the firms who build their business on the platform. Since the acquisition, we've seen record numbers of monthly mortgage submissions come through Score, and we've more than doubled our revenue year on year, with growth of over 2.5x. That momentum is showing up in our customers' businesses too: firms on the platform are saving each broker around four days a month on application processing, identifying protection needs for 85% of their mortgage clients, and doubling their client conversion rates. Delivering results like these takes serious engineering and serious investment, and with ClearScore behind us we can keep raising that bar at a pace few others in the market can match.
Why build your business on Score?
Because you'll be choosing a platform that is built to last. A lot of new mortgage tools have appeared lately, and many of them are small, pop-up CRMs put together quickly on basic AI, the kind of thing that can disappear just as fast as it arrived. Score is a very different proposition, we are an established, whole-of-market platform that brokers, networks, and advisors across the country already trust with their businesses, and we are now backed by one of the most advanced and reliable fintech stacks in the industry through ClearScore. A proven platform, real investment, and genuine scale mean we can keep powering ahead of newer, lighter-weight tools and keep building for the long term.

Independence and
ownership

Is Acre being absorbed into ClearScore?
No. We operate as an independent business unit within the ClearScore Group, with our full management team staying exactly where they are, and we'll carry on supporting mortgage and protection firms with the same data-driven platform, now with the reach and scale of the wider Group behind us.
Will our advice-first philosophy change?
No. We have always believed that the best mortgage decisions come from high-quality, personal advice, and it is a belief ClearScore shares. If anything, the direction the market is heading only reinforces it, which is why we will stay a whole-of-market platform focused on helping brokers do their very best work for their clients.

Your data

Is my data safe?
Yes, and nothing about the move to Score changes that. Your data, and your clients' data, is protected by exactly the same contractual obligations and technical safeguards as before, and being part of ClearScore does not give anyone new access to it. We will never introduce your customers to a third party without the right consent, and your clients always keep the rights to their own data. If anything, joining a group whose entire business is built on handling data responsibly, and only ever with the user's permission, raises the bar we hold ourselves to.


The best way to see what Score can do is to book a demo, and we'll walk you through the platform and how it could work for your firm. If you'd rather drop us a line, you can reach our sales team at sales@scoremortgage.com, or send any general enquiries to hello@scoremortgage.com.
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