Case study

Why Mortgage & Money Management chose Acre

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About Mortgage & Money Management

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Mortgage & Money Management is a leading independent financial advice firm with offices in Hertfordshire and Essex. With a focus on delivering personalised service, Mortgage & Money Management prides itself on building long-term relationships with clients, ensuring their financial needs are met at every stage of life. The team’s expertise and commitment to customer satisfaction have made them a trusted partner in the financial services industry and also by some of Acre’s team members who have needed mortgage advice!

For more information, visit Mortgage & Money Management.

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The Challenges of a Paper-Based System

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Before adopting Acre, Mortgage & Money Management struggled with outdated processes. “Being paper based & working using own individual systems, the communication & working as a team was not as efficient as it could have been. Also, just general fact -, record keeping – being a paper file was time-consuming & archaic!”

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The Impact of Acre: Efficiency and Accountability

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Since implementing Acre, they’ve seen significant improvements in their workflow. “Acre has enabled us to get rid of paper files, and we now all work from the same system. This gives accountability and makes us more efficient with each case." By centralising operations on one platform, Acre has streamlined their processes, enabling the team to work more cohesively and effectively.

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Key Features That Make a Difference

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What sets Acre apart for them are the platform’s comprehensive features. “Having everything in one place—fact find, documents, notes, to-do list—has made each individual file easier to work with." This all-in-one approach simplifies case management and ensures that nothing slips through the cracks, improving both productivity and client service.

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Enhancing Workflow and Productivity

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Over the two years since adopting Acre, they’ve seen sustained improvements in their workflow. One standout benefit has been the ability to automatically diarise clients on two-year fixed rates, streamlining the review and update process. “Not having to rewrite the fact-find is a huge bonus," they noted. The transition to Acre’s system, although initially challenging, has ultimately been a "huge success."

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Why They Recommend Acre

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“It’s an all-in-one CRM system that will make your advisors' and administrators' lives easier. We also have good backend support for any issues that may come up."

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Looking to the Future

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Another big plus is Acre’s commitment to continuous improvement. “I also like the future ambitions of Acre, always looking to improve the workflow... They take on broker feedback and make implementations based on the everyday user." This is something we pride ourselves on at Acre, and we’re looking forward to continually improving our platform to deliver the tools that improve the lives of our users!

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A huge thanks to Tom and the Mortgage & Money Management team for the last few years of being on the journey together. Here’s to many more!

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.