Mortgage broker tools that watch your client book

The Theo mortgage broker ecosystem connects your clients to their own mortgage app, watches what happens to their mortgages next, and hands you the moments worth a call. Mortgage broker tools built for the years between transactions.

See pricing Book a demo

Mortgage broker tools: the Theo book analytics dashboard on a MacBook

Quick answer

Theo gives mortgage brokers a connected client book. Each client holds their own mortgage app, and you see the intelligence for your whole book in one place. Balances, property values, loan to value bands and fixed rate end dates are checked daily, and clients whose position has changed enough to matter reach you with the reason attached.

It works alongside your CRM rather than replacing it: the CRM holds the case, Theo watches the book. Plans are one Adviser Ecosystem per adviser, from £99 a month.

Plans from£99 a month

Licensed perAdviser

Book checkedDaily

Environments

5

On every plan

Signals watched

7

Across your book

Lenders tracked

100+

Priced daily

Clients per adviser

Up to 5,000

On standard plans

How it works

ConnectClients join with your code or link.
MonitorEach mortgage is checked daily.
SurfaceChanges worth a call reach you.
AdviseYou call, or they ask in the app.

Mortgage broker tools: book analytics showing clients, property under management, equity and plan capacity — Example screen from a live adviser ecosystem, client details hidden.

Your whole book at a glance

Clients, property under management, total equity, monthly repayments and how much of your plan is in use, updated without anyone typing a thing.

Why brokers lose clients

AcquisitionBought leads cost more each year.
Cold bookCompleted clients go quiet.
TimingThe lender calls them first.

See it with a sample book

Book a demo, no client data needed.

What the mortgage broker tools watch for

Seven signals, each surfaced only when it is worth a client’s time.
Signal	What triggers it	Read more
Fixed rate ending	A client’s fix enters the remortgage window	Fixed rate expiry leads
On standard variable rate	A fix has ended and nothing replaced it	Client retention
Rate beaten	Market pricing for their band beats their rate, after any charge	Opportunity detection
Band reached	They have crossed into a cheaper loan to value band	LTV bands
LTV in reach	An overpayment would take them into the next band	LTV bands
ERC revisit	A better rate exists but the charge cancels it for now	ERC-aware savings
Tracker to fixed	The market clearly favours fixing for a tracker client	Market intelligence

One client. One adviser. Their choice.

Theo is deliberately not a marketplace. A client is never sold to several brokers.

They choose youUsing your code or link, after seeing your firm.
Only yoursNo other firm can see a client connected to you.
Their callThey can disconnect whenever they like.
RecordedEvery connect, switch and disconnect is logged.
CheckedEvery firm and adviser is verified on the FCA Register first.

A connection given freely is worth more than an enquiry sold to four brokers at once.

How the connection works

What mortgage broker tools should do between transactions

Most brokers do not have a lead problem. They have a gap problem. A client completes, and for four or five years their mortgage changes quietly underneath them: the property gains value, the balance falls, they cross a loan to value band without knowing it, and the fixed rate ticks towards its end date.

When that finally matters, the lender’s retention team usually calls first, because the lender holds the mortgage and knows the date. The usual answer is to buy the client back as a shared lead, at the most expensive moment in the journey. That works, but it never gets cheaper. See mortgage lead generation for the comparison.

How the Theo broker ecosystem works

The mortgage broker tools work in four steps. Your clients connect. A client enters your adviser code in the Theo app, or arrives through your link, and confirms your firm before anything is shared. No adviser can see a client who has not connected to them.

Their mortgage is monitored. Property values, balances, loan to value bands and fixed rate end dates are checked against live pricing from over 100 lenders every day, for the whole book at once.

Opportunities surface. When a position changes enough to matter, the client appears in your ecosystem with the reason and an indicative figure, already net of any early repayment charge.

You advise. You make the call, or the client sends an enquiry from the app. Either way, the conversation starts inside a relationship you already have.

Five mortgage broker tools on every plan

Book analytics shows the whole connected book: clients, property under management, equity, loan to value spread, lender concentration and how your book’s average rate compares with the best matching products.

Opportunities lists who to contact today and why, grouped by urgency. See mortgage opportunity detection.

Lead management holds the enquiries your own clients send, with an opportunity score attached. Rate intelligence turns swap rates, Bank Rate, inflation and daily lender moves into what they mean for your book; see broker market intelligence. Client intelligence opens one client in full: portfolio, mortgages, alerts and whether they can actually be reached.

One client, one adviser, their choice

A client is connected to one firm, through one named adviser, at a time. They make the connection themselves, they can see who they are connected to, and they can disconnect whenever they like. Disconnecting removes them from your ecosystem immediately; to keep using Theo without an adviser, they choose Premium.

This matters commercially as well as ethically. A homeowner who knows they can leave is far more willing to connect in the first place, and a connection given freely is worth more than an enquiry sold to four brokers at once. Every adviser and firm is checked on the FCA Register before an ecosystem goes live.

Mortgage broker software alongside your CRM

A CRM records what you tell it and waits. That is the right design for managing a case, and the wrong one for the years afterwards. Theo is mortgage broker software of a different kind: it watches the mortgage itself and tells you when something changed. Most advisers run both. See mortgage broker CRM for where one ends and the other begins.

How the figures are worked out

The figures in Theo’s mortgage broker tools come daily from a mortgage sourcing system covering the intermediary market, stored by loan to value band, term and product type so every comparison is like for like. Product transfer pricing is kept separate from open market pricing, so a lender’s retention rates never distort the market figure they are measured against.

Early repayment charges are applied before anything is called a saving, and clients whose charge cancels the benefit are held back rather than shown. Opportunities you mark complete stop reappearing. Every figure is indicative and depends on eligibility, affordability and lender criteria. Wider lending figures are published by UK Finance.

Every part of the mortgage broker ecosystem

Finding the moments

Opportunity detectionThe seven signals, and why suppression matters. Fixed rate expiry leadsWhy six months out decides the case. LTV bandsThe eight thresholds, and who is close to one. ERC-aware savingsWhether a saving survives the charge.

Working the book

Client retentionWhy clients leave at fix end. Mortgage lead generationAn owned pipeline instead of bought enquiries. Mortgage leadsWhat bought leads really cost per case. Mortgage broker CRMWhere a CRM ends and monitoring begins.

Market and growth

Market intelligenceSwaps, Bank Rate and inflation, applied to your book. Independent broker growthCompeting earlier than the networks. SEO for mortgage brokersThe searches an independent can win. PricingOne Adviser Ecosystem per adviser, from £99.

Common questions

What is a mortgage broker ecosystem?

A connected environment in which a broker’s clients hold their own mortgage app, and the broker sees the resulting mortgage intelligence for the whole book in one place. Property values, balances, loan to value positions and fixed rate end dates are monitored continuously, and the moments that may warrant advice are surfaced back to the adviser.

What mortgage broker tools does Theo include?

Five mortgage broker tools come with every plan: book analytics, opportunities, lead management, rate intelligence and client intelligence. Plans differ only in how many connected clients they monitor.

Can a client be connected to more than one broker?

No. A client is connected to one firm, through one named adviser, at a time, and makes that connection themselves. They can disconnect at any moment, which removes them from that adviser’s ecosystem. To keep using Theo without an adviser, they choose Premium.

Can any other firm see my clients?

No. Only the firm a client has connected to can see them, and only while they stay connected. Theo is not a marketplace, and clients are never shared with or sold to other brokers.

Is the Theo broker ecosystem a CRM?

Not in the usual sense. A CRM stores what you enter and waits. Theo monitors the mortgage itself between transactions and raises the moments worth acting on. Most brokers run Theo alongside a CRM: the CRM holds the case, the ecosystem watches the book.

How does this reduce cost per acquisition?

Buying transactional leads means paying at the most expensive point in a customer’s journey, often for an enquiry shared with other brokers. Holding the relationship through the years between transactions means the next opportunity arises inside an audience you already have, so the cost does not repeat.

What happens to my clients’ data?

A connected adviser sees mortgage and property information only for clients who connected to them. The client starts the connection, every connection and disconnection is recorded, and disconnecting ends the adviser’s access immediately. Advisers remain responsible for their own regulatory obligations for their client relationships.

Is this financial advice to my clients?

No. Theo surfaces information and flags moments; it does not recommend products or advise consumers. Every opportunity is indicative and depends on eligibility, affordability and lender criteria. The adviser remains the regulated party and the only source of advice.

Where to go next

Broker ecosystem pricingOne Adviser Ecosystem per adviser, from £99 a month.

Opportunity detectionThe eight signals, and why suppression matters.

Book a demoSee the ecosystem with a sample client book.

Written by Jason Foord, CeMAP-qualified mortgage adviser and founder of Theo. Updated 22 October 2026.

Published by Theo App Ltd. Theo is software for regulated mortgage professionals. Theo App Ltd is not authorised by the Financial Conduct Authority, does not give mortgage advice and does not recommend products to consumers. Opportunity figures shown in Theo are indicative, depend on eligibility, affordability and lender criteria, and must be checked with the client before advice is given. Advisers remain responsible for the advice they give and for their own regulatory obligations.