Welcom Financier

Financier overview

Powering smarter digital lending

Welcom helps digital lenders deliver personalised credit products through our leading digital lending platform, Financier. Designed for both commercial and consumer finance, our flexible solutions support lending and collections at every stage

With Financier’s modular design, credit providers can rapidly launch new products tailored to their markets—whether consumer or commercial, regulated or unregulated. Built with compliance and FCA regulations at the core, our platform supports sustainable growth and promotes a fair, transparent, and customer-focused culture.

What Our Clients Say

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We particularly like their partnership concept in systems development.

Don Fishing

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What Our Clients Say

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The new integration between Welcom Digital’s Financier LMS to Provenir’s AI-powered fraud and credit risk decisioning solution is a key part of our investment in digital finance options tailored to our customers' individual needs and I can’t thank the Welcom & Provenir teams enough for their support throughout.

Stuart Daniels, Chief Credit Officer, FGH (Freemans Grattan Holdings)

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What Our Clients Say

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Welcom Digital worked to understand and capture our requirements and then produced a system specification that adopted standard build options where possible and introduced custom built functionality where required.

CITB

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What Our Clients Say

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Thanks to all at Welcom for helping us to get over the line and deliver. Great team effort all round. 

Frasers Group Financial Services

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Our Insights

Mortgage lending increased in November

Latest Bank of England data showed that net borrowing of mortgage debt by individuals increased to £4.5 billion in November, following a decrease of £1.0 billion to £4.2 billion in October.

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Second charge new business up 24% in January 2025: FLA

The second charge mortgage market made a positive start to 2025, with double-digit growth in new business by value and volume.

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Second charge mortgages grew by 9% in February

New figures released by the Finance & Leasing Association (FLA) show that second-charge mortgage new business volumes grew by 9% in February 2025.

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Second charge mortgages expand by nearly a third

Secured loans, often referred to as second charge mortgages, have cemented their position as the fastest-growing segment in the post-pandemic UK property finance market, according to new research by Pepper Money, the specialist mortgage lender.

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Second charge mortgage new business volumes grew by 18% in March 2025

Commenting on the latest new business figures for the second charge mortgage market, Fiona Hoyle, Director of Consumer & Mortgage Finance and Inclusion at the Finance & Leasing Association (FLA), said:

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Second charge mortgage new business volumes grew by 16% in December 2024

Commenting on the latest new business figures for the second charge mortgage market, Fiona Hoyle, Director of Consumer & Mortgage Finance and Inclusion at the Finance & Leasing Association (FLA), said:

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Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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Call us on 0845 456 5859