OMS Integrates Instamo’s FastSubmit to Slash Mortgage Application Times

One Mortgage System (OMS) has integrated Instamo’s FastSubmit technology into its CRM and loan origination platform. This partnership addresses the persistent issue of manual data re-entry in the mortgage sector, allowing brokers to transfer client information directly into lender portals. For fintech professionals, it represents a significant step in streamlining the fragmented UK mortgage application journey.

What was announced

OMS has linked its platform with Instamo to give users access to FastSubmit, a tool designed to automate the population of mortgage applications. The integration allows intermediaries to take client and case information already stored within the OMS CRM and push it directly into various lender portals. This eliminates the need for brokers to manually rekey data, a process that has historically been a major bottleneck in the mortgage lifecycle.

Through the FastSubmit interface, brokers continue to use their standard credentials to log into lender portals. Crucially, the technology allows for a manual review of each field before the final submission, ensuring that existing lender controls and underwriting processes remain intact. By creating a more direct route from the initial recommendation to the formal application, the system aims to improve accuracy and reduce administrative overhead.

The integration is expected to have a measurable impact on broker productivity. According to figures provided by Instamo, the use of FastSubmit within the OMS platform can save an average of 26 minutes per case. This functionality is available across OMS’s broad product range, which includes residential, buy-to-let, second charge, equity release, bridging, and commercial mortgages, as well as general insurance and protection services.

"The mortgage market has no shortage of technology, but adding more systems does not automatically make a broker’s job easier. The real value comes from connecting the right tools and removing unnecessary work without reducing the level of control."

Neal Jannels, Managing Director at One Mortgage System

The companies involved

One Mortgage System (OMS) operates as a comprehensive CRM and loan origination platform specifically tailored for the UK mortgage market. It positions itself as the only end-to-end platform in the region covering a full spectrum of lending types, from standard residential and buy-to-let to more specialist areas like bridging and commercial finance. The platform provides users with integrated tools for product sourcing, protection sourcing, and criteria searching, aiming to consolidate the disparate elements of the mortgage process into a single workflow.

Instamo is a technology provider focused on the mortgage submission process. Its flagship FastSubmit technology is designed to bridge the gap between broker systems and lender portals. By focusing on the "last mile" of the application process, Instamo seeks to reduce the friction associated with manual data entry. Both companies operate independently within the UK fintech ecosystem, focusing on interoperability between existing intermediary tools and the legacy systems often maintained by traditional mortgage lenders. Their collaboration highlights a growing trend of specialist firms partnering to solve specific workflow inefficiencies rather than attempting to build entirely closed ecosystems.

What FF News has reported before

FF News has closely followed the expansion of the One Mortgage System ecosystem as it continues to integrate third-party technologies. The platform recently made headlines when OMS Integrates Instamo to Save Mortgage Brokers 26 Minutes Per Case. This followed a series of technical updates, including when OMS Integrates Keychain to Deliver AI-Powered Mortgage Onboarding for Brokers, highlighting the platform’s move toward automated client intake. Additionally, OMS Boosts Mortgage Efficiency with Rightmove AVM Integration as Molo Goes Live brought automated valuation models into the workflow, while OMS and Step One Finance Launch Bespoke Loan Origination Platform to Streamline Specialist Lending demonstrated the company's focus on the specialist market.

What this means

This integration highlights a shift in the mortgage technology sector away from "all-in-one" promises toward practical interoperability. By focusing on the 26 minutes lost to rekeying, OMS and Instamo are targeting a specific, high-friction pain point that has long frustrated brokers. This move puts pressure on legacy CRM providers who have been slow to solve the "portal gap," where data often dies between the broker’s system and the lender’s website. The broader industry question remains whether lenders will eventually provide more robust direct APIs, potentially bypassing the need for "submit" technologies entirely, or if these middleware solutions will become the permanent standard for the UK’s fragmented lending landscape.