Homeowner

Complete mortgage loan automation with digital lending software

Boost revenue, deepen customer engagement and provide better outcomes for customers with Financier Homeowner

Digital secured homeowner lending that scales with your customers

Streamline operations with intelligent automation that keeps your team compliant, reduces risk, and delivers a transparent, engaging experience for every borrower.

Ready to launch. Built for compliance. Designed for growth.

With Financier Homeowner, you can customise loan structures and manage an extensive range of lending products—all from one intuitive, configurable platform. From 1st & 2nd charge mortgages to later life lending, equity release, remortgage, Right to Buy, Buy-to-Let, commercial and green finance, bridging, and development loans—we’ve got you covered.

Why choose Financier Homeowner?

Accelerate time-to-market with rapid product configuration
Automated to redefine customer journeys for a seamless experience
Facilitate communication with partners and unlock new value with secure, embedded APIs via Financier Connect
Integrate effortlessly with third-party origination platforms

Powerful features at your fingertips

Easily manage and add flexible loan products rapidly through configuration with functionality including:

Interest bearing daily balance
Flexible terms
Lending, broker and affiliate management
Competitive rates and fees
Branded communication channels
Dashboard and KPI reporting

Boost Revenue Opportunities

Enhanced time to market with flexible product options deployed to attract and retain customers

Customer Engagement

Align business processes with best practice and Consumer Duty to provide better outcomes

Improved Customer Experience

Redefine customer journeys for competitive advantage to simplify and deliver integrated customer experience

Flexibility Built In

Manage and add flexible loan products at speed through Financier’s powerful configuration

Risk Management

Insights and active alerts driven via Financier Flow to enable early intervention to minimise risk

Streamline Workflows

Assisting seamless operation through multiple workflows, triggers and events to support your business

What Our Clients Say

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)

What Our Clients Say

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

Frasers Group Financial Services

What Our Clients Say

We particularly like their partnership concept in systems development.

Don Fishing

What Our Clients Say

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

Our Insights

In the press

AI will transform financial services by 2030 - FCA

Artificial intelligence (AI) will fundamentally reshape retail financial services by 2030, bringing significant opportunities for consumers and firms alongside heightened risks, according to a first-of-its-kind review by the Financial Conduct Authority (FCA).

In the press

Rethinking regulation for the age of AI

Financial services will be central to making the UK a world-leading AI economy, by providing the capital, infrastructure, and trust needed for AI to scale across the wider economy. As AI evolves faster than traditional regulation, the FCA is re-thinking what it means to be an effective regulator, with greater emphasis on competition, collaboration and system-wide risk awareness. As AI reshapes markets and increases interconnection, understanding how competition is evolving – and where that may impact resilience - will become more important than ever.

In the press

Government unveils sweeping homebuying reforms to cut delays and reduce failed sales

The Government has announced plans to overhaul the homebuying process in England and Wales, introducing measures aimed at making transactions faster, cheaper and more reliable for buyers and sellers.

In the press

Consumer finance new business grew by 3% in April 2026

New figures released by the Finance & Leasing Association (FLA) show that consumer finance new business grew by 3% in April 2026 compared with the same month in 2025.

In the press

Second charge mortgage new business volumes grew by 21% in April 2026

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

News

Welcom Digital Appoints New Managing Director

Welcom Digital announces appointment of John Barrow (previously CIO) as new Managing Director

Welcom Digital Limited

The Exchange

Station Parade

Harrogate

HG1 1TS

T 0845 456 5859

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