Mortgage arrears collections software

Mortgage arrears move slowly and matter enormously. Cases run for months or years, the consequence at the end is someone's home, and the FCA expects evidence of fair treatment at every step. Flexys gives mortgage collections teams one system for the whole journey.

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Homeowner reviewing their mortgage account

Couple discussing their mortgage payments at home

The pressure on mortgage collections

A mortgage arrears case is rarely resolved in one conversation. Circumstances change repeatedly over months or years, forbearance is revisited more than once, and the borrower is often the last person to make contact because the stakes feel too high to discuss.

That puts a particular demand on the record. MCOB and Consumer Duty expect evidence of fair treatment across the whole case, not a snapshot, and specialist lenders running several brands and product lines through one operation need that evidence per brand as well as per borrower.

How Flexys is configured for mortgages

Forbearance paths with the reasoning recorded

Payment holidays, term changes, interest-only switches and capitalisation, each with the affordability basis and decision recorded against the case.

Continuity across long cases

History follows the borrower rather than living with one agent, so a case picked up two years later carries every prior arrangement, contact and decision.

Vulnerability support built in

Flag vulnerable circumstances at any point and route the case to the right treatment automatically, with communications adapted and the decision auditable.

Multiple brands, one instance

Run several brands and product lines on a single instance, each with its own workflows, communications and branding, in one system with one audit trail.

Proven in specialist mortgage lending

OSB Group, a specialist lender running multiple brands and product lines, runs its collections on Flexys.

One instance. Every brand and product line runs on the same system.

Brand-specific journeys. Each brand keeps its own communications, tone and treatment paths.

A single audit trail. Every decision across the group is evidenced in one place.

Specialist lending is where configuration matters most. Buy-to-let portfolios, complex borrower structures and product lines with different arrears profiles each need their own treatment, without splitting the operation into separate systems to achieve it.

Mortgage collections software: common questions

What forbearance options does Flexys support?

Payment holidays, reduced payment arrangements, term extensions, interest-only switches and capitalisation, each configured to your policy with the affordability basis and decision recorded.

Can we run several brands on one system?

Yes. Each brand or product line carries its own workflows, communications and branding on a single instance, with one audit trail across the group.

Does Flexys replace our servicing platform?

No. Flexys holds the complete record of collections activity and integrates with your servicing system, which remains the source of balances and payments.