Buyer
Knows what’s happening without chasing.
Deposit proved
40% fewercustomer chasers
Every party to a home sale, on the same facts from day one.
A sale takes 120 days today, and one in three falls through. Mortgage Rail connects the lenders, brokers, conveyancers, estate agents and property data. Our goal is completion in 4 weeks.
Trusted across banking and insurance since 2013
The problem
Four things make buying a home slow.
Each stage waits on the one before it, so a sale that should take weeks drags on for months.
The facts about a home are scattered.
The lease pack, the title and the searches are each ordered and paid for on their own, so weeks pass before anyone sees the full picture.
The systems don’t talk to each other.
Each firm’s software locks its data in, so details are keyed in again and again and never reach the next party.
The property is checked last.
No one really examines the property until the survey and searches come back, near the end.
The reports are full of caveats, and nobody explains them.
Nobody explains to the buyer what actually matters, so small things look alarming and sales fall apart.
The cost of finding risks late.Source: GOV.UK reform roadmap, June 2026
120 daysto buy a home. That is 60% longer than in 2007.
1 in 3home sales fall through.
£400mlost by consumers each year on sales that fail.
£1.5bnis the cost to the economy each year.
The answer
Mortgage Rail connects the lenders, brokers, conveyancers, estate agents and property data. It replaces none of their systems.
- Nothing is replaced. Lenders, brokers, conveyancers and surveyors keep the systems they have.
- Mortgage Rail is the rails between them. It carries the facts from each database to every system.
- Everyone sees the same facts from day one. Our aim is a sale that completes in 4 weeks, not 120 days.
Systems the parties already run
Property and customer data
How it works
How one property sale runs on Mortgage Rail, in three steps.
- Start the case. The buyer applies once, and Mortgage Rail gathers the facts once.
- See the risk. Each risk is sent to the one person who can fix it.
- Complete. Everyone follows the same timeline until the sale completes.
BuyerDetails and ID given
PropertyFlat 3, 14 Elm Road
Purchase price£250,000
Loan amount£195,000 · 25 years
- Underwriter’s checksID, income, credit, valuation6 of 6 complete
- Legal workTitle, searches, enquiriesComplete
- Risks found on day oneChecked as the facts arrive4 of 4 cleared
- CompletionFlat 3, 14 Elm RoadCompleted
Broker
Places the case right first time.
Payslip sent
25→70%of submissions complete first time
Underwriter
Works the exceptions, not the whole file.
Income confirmed
35% fasterunderwriting decisions
Conveyancer
Starts with the facts, not a blank file.
Sign-off received
Legal questions are raised in week one, not after the searches come back.
Figures from Dynamatix mortgage case studies, using the same rules-based alerts and portals.
The parts
Mortgage Rail comes in six parts. Use ours, or connect the ones you already have.
- Each part does one job. Take one, a few or all six.
- Already have one? Keep it. Mortgage Rail connects to it.
- Nothing to replace. Every step is on record, with ISO 27001, MFA and role-based access.
Three places where people work
For the lenderUnderwriting systemWhere the lender decides. Cases arrive checked, and the underwriter works the exceptions. It runs on top of the lender’s existing systems and replaces none of them.See how it worksFor the brokerBroker portalThe broker submits a case the lender can accept first time, with every document checked on upload.See how it worksFor the buyerCustomer portalThe buyer sees the application, the facts about the home and who is doing what.See how it works
Three agents that do the checking
For the underwriterAffordability agentChecks the buyer can afford the loan, re‑running your own spreadsheet when the numbers change.See how it worksFor the underwriterValuation agentReads the valuer’s report on the property and sends each issue to whoever needs to act.See how it worksFor the brokerProduct agentFinds the mortgages that fit and keeps the list right as facts arrive.See how it works
Case studies
Mortgage work we have already delivered.
Six mortgage projects, each written up with what changed.
EUC Lock and CaturaFrom Excel to Web – Securely Unlock Broker Affordability Checks Using Your Internal Excel Calculation ModelRead now
Who builds it
Mortgage Rail is built by Dynamatix and runs on our Catura® platform.
Since 2013, lenders, insurers and risk teams have trusted us with work they can’t get wrong. We 
keep the systems you rely on, automate the routine, and leave every judgement with your people.
Catura® · our legacy transformation platform
Catura® adds new features around the systems you have. Your data stays where it is.
Your existing systems stay.
Nothing is replaced or patched, and no data is moved.
Catura® wraps around them.
It connects through APIs. TransUnion, Lending Metrics, e‑signature and payment gateways are already integrated.
New products run on top.
Mortgage Rail and six more. Your team uses the new features while the existing systems keep running.
Six core modules, used together or standaloneSingle sign-on with OAuth and ADHosted on a secure UK private cloud
See Mortgage Rail working. Book a demo.
Our mission: property sales that complete within 4 weeks. Tell us a little about you and we’ll set up a demo.
- A 30-minute walkthrough on a case like yours
- The parts of Mortgage Rail you need
- A reply within one working day