Company

Welcome to Acre!

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What is Acre?

Acre is building the UK’s best all-in-one mortgage & protection platform.

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The mission? Make home buying quicker and easier for buyers, brokers, insurers, and lenders by bringing everything into one place.

How are you different to other platforms?

When giving mortgage and protection advice, brokers find themselves rekeying data again and again. It’s a battle switching systems at each step - collecting data from the customer, searching for mortgage products, navigating the complexity of affordability rules from the lenders, and each with their own criteria for lending. The end of the process is no better, you bring the proof of research and other documentation back together and distil the results into a “reasons why” letter... by hand.

Acre holds the entire advice journey in one system, giving you the power to complete every part of the process in one place. When third-party data or services are needed, Acre pulls these right into the platform. This means the case never gets out of sync with reality. And we streamline every bit - from lead and introducer management to fact finding, sourcing all the way to insuring and conveying the home. Even compliance is done automatically along the way, so at the end, we automatically create all the documents needed, and make sure they always match the case.

The other reason you should be excited about us is because of the way we build everything we do around data.

We collect data from over 45 sources, to pre-populate fact finds and inform sourcing. The way we use data speeds up applications – we pull credit reports from Equifax, expenditure estimates from ONS, and detailed address history and KYC data. We use this to prequalify the customer and to populate sourcing to get the right mortgage, every time.

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We also pull detailed property data into a profile, so your customer knows what hiccups might await them when it’s getting home insurance or conveying the property. What’s more, our sourcing takes into account lender criteria, real-time affordability decisions and multiple product types, including second charge, retirement interest only, porting, product transfers and further advances. Pretty good right?

How was Acre born?

Rewinding to 2017, our founder, Justus, was buying a dreamy property in France (oh là là). It turned out getting a mortgage in a country where he doesn’t live was harder than he originally thought it’d be. After trying and failing with banks he was already using, and with several local banks, he realised it was time for an online brokerage.

The process was moving, but it was at a snail’s pace, and he had no way of knowing where he was in the process. In fact, it moved so slowly 3 months passed so all his documents had to be resubmitted. The DIP took 4 months, the conveyancing another three – and the fees doubled by the time he was done, without warning. By the time he owned the property, over 6 months had passed. Justus felt the pain buying a house can bring, and he knew something had to change.

So Justus and his team at Founders Factory took a long hard look at the process behind getting a mortgage. Why was it so poor? Why was the technology so outdated? After spending most of a year with brokers, lenders, clubs, and insurers it was clear a new way of thinking about mortgages was needed. Why had no one mapped out the process to improve it? And that’s how Acre was born.

How can I try it?

If you’re a broker or principal, you can give Acre a try today by booking a demo. A member of our team will get in touch to show you how Acre can improve your team’s efficiency and improve your bottom line.

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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.