Guide

The UK broker
tech stack guide.

A reference tech stack for UK mortgage and protection firms at every size. What to pick, what to consolidate, and what to drop.

18 min read · Updated April 2026
In this guide

Contents

01

The core stack

02

Stack by firm size

03

What to drop

04

Integration architecture

05

Security baseline

The short version

Key takeaways

✓Most UK brokerages run 12-18 tools. A well-architected stack is 5-7.
✓Consolidation saves more than licence cost — it saves integration cost, training cost, and data-drift cost.
✓The CRM is the centre of the stack. Everything else either feeds it or reads from it.

The core stack

  • CRM + case management: Adviser IQ (or Smartr365, 360 Lifecycle)
  • Sourcing: Mortgage Brain, Trigold, or Twenty7Tec
  • Email + calendar: Microsoft 365 or Google Workspace
  • Telephony: Twilio-based (or integrated into CRM)
  • Accounting: Xero or QuickBooks
  • AML/KYC: ComplyAdvantage, SmartSearch, or Veriff

Stack by firm size

1-2 advisers: CRM + M365 + sourcing + accounting. 3-10 advisers: add AML. 10-25 advisers: add dedicated telephony + BI layer. 25+: add AR network module, principal oversight, dedicated compliance tooling.

What to drop

Drop: standalone email-sequence tools (your CRM should do this), standalone e-signature (your CRM should do this), standalone document storage (your CRM should do this). The pattern: if it duplicates a CRM capability, it is stack bloat.

Integration architecture

Favour native integrations over Zapier. Native integrations survive schema changes; Zapier workflows break silently. If the CRM doesn't integrate natively with a core tool, that's a mark against the CRM, not a reason to add middleware.

Security baseline

Every tool in the stack: MFA enforced, SSO where available, access logs reviewed quarterly, vendor SOC 2 or ISO 27001. Anything less is a compliance gap under Consumer Duty and UK GDPR.

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