A new client gets in touch with you to apply for a mortgage. Here’s how YAVIA streamlines and enhances the journey:

Step 1: Initial Discovery

You begin by conducting a fact-find to gather key information from your client—just like you normally would.

Step 2: Introduce the App

You send your client the download link to your branded mobile app, explaining how it makes the process easier, more secure, and more professional.

Step 3: Seamless Onboarding

Once downloaded, your client is greeted with a series of automated welcome messages you’ve pre-set—creating a professional first impression and setting expectations.

Step 4: Document Request

Through the app, you request specific documents required for their mortgage application—such as ID, proof of income, or bank statements.

Step 5: Client Uploads Documents

Your client receives an in-app notification and message prompting them to upload the required files. They submit the documents directly through the secure app interface.

Step 6: Review & Process

You receive a real-time notification that documents have been uploaded. After reviewing them on the Yavia platform, you download and store them in your internal systems, then remove them from the app for security.

Ongoing Communication

Throughout the process, you continue engaging your client using secure in-app chat, document requests, and notifications—keeping everything organised, compliant, and client-friendly and all within one single engagement tool.

You have a client who previously secured a mortgage through you or somewhere else. Now, you want to engage them and open up a conversation about their protection needs in a way that’s compliant, client-focused, and value-driven.

Step 1: Proactive Client Outreach

Using YAVIA’s client profiling tool, you identify existing mortgage clients who haven’t yet arranged protection (e.g., life, critical illness, or income protection). You send a personalised, in-app message to start the conversation—framed around their needs, not just the product.

Example message:

“Hi James, I wanted to check in and make sure you and your family are financially protected. Now that your mortgage is in place, it’s important to look at how you'd manage financially if something unexpected happened.”

Step 2: Educational Content & Consumer Duty Alignment

To support informed decision-making, you send targeted in-app content—like short videos or guides—explaining the importance of protection insurance in clear, jargon-free language. This meets FCA and Consumer Duty expectations for clarity and good outcomes.

Step 3: Secure Engagement

Your client responds to the message or clicks through to request a follow-up. Through the secure in-app chat, you arrange a short consultation or fact-find call to assess their circumstances.

Step 4: Fact-Find & Suitability

You use the app to collect key protection-related details (e.g., dependents, income, existing cover) either through a short templated questionnaire or via chat. This helps ensure your recommendations are suitable and tailored.

Step 5: Indicative Quote via iPipeline Integration

Using YAVIA’s integration with iPipeline, you generate an indicative protection quote based on the client’s basic information. This quote is automatically shared with the client through their app via secure messaging. It’s a convenient, low-pressure way to open the conversation with transparent, real-time pricing—aligning with Consumer Duty principles of providing clear and useful information.

Step 6: Full Quote & Recommendation

If the client expresses interest, you follow up with a full personalised quote using your own quote generation tool. You then upload the full recommendation into BrokerIQ, where the client can easily view and respond to it in-app. This smooth transition from indicative to tailored advice ensures the client is fully informed and supported throughout their journey.

Ongoing Relationship & Reviews

You use the app to set automated reminders for protection reviews and renewal conversations—helping you meet ongoing duty-of-care responsibilities while keeping the client engaged over the long term.

This journey not only aligns with FCA Consumer Duty principles—ensuring fairness, clarity, and delivering real value—but also helps bridge the gap that often exists between advisers and clients when it comes to protection conversations. BrokerIQ makes it easier to raise, explain, and personalise protection options in a way that feels natural and client-friendly. It positions you not just as a mortgage adviser, but as a long-term, proactive partner in your client’s financial wellbeing—helping them feel informed, supported, and more likely to act.

Whilst your app is primarily designed for mortgage, protection, and wealth services, clients can also use it to upload other important documents, such as home insurance, car insurance, travel insurance, or pet insurance.

It’s a secure, convenient way to keep all their key financial documents in one place — and gives you better visibility to support them more holistically.

Step 1: Give Them a Gentle Reminder

Let your client know they can use the app to store other important insurance documents.
You can mention this in person, during a phone call, or send a quick message through your app.

Step 2: Share Simple Instructions

Send them a step-by-step message (via the app) showing how to upload these documents using the built-in camera or upload tool. It's quick, secure, and easy to follow.

Step 3: Reinforce the Value

Once the documents are uploaded, send a follow-up message congratulating them — and highlight how great it is to have all their insurance documents stored securely in one place, with no more digging through drawers or email inboxes.

Step 4:

Using the Reminders feature, you will keep track of all of the client’s policy renewal dates. Set reminders in advance and the app will prompt you to engage with clients as their renewal approaches, or, it will send a reminder directly to the client via your app to help you stay proactive and never miss an opportunity to reconnect.