OMS and Scroll Finance Streamline Second Charge Buy-to-Let via New API Integration

One Mortgage System (OMS) has completed a new API integration with Scroll Finance, the second-charge lending arm of Perenna Bank PLC. For fintech professionals, this move signals the continued push toward frictionless specialist lending, allowing brokers to transition from initial sourcing to a Decision in Principle (DIP) within a single, automated workflow.

What was announced

The integration specifically targets Scroll Finance’s flagship buy-to-let second charge mortgage products. By linking the OMS platform directly with Scroll’s systems via an Application Programming Interface (API), intermediaries can now bypass traditional manual data entry hurdles. The functionality covers the entire front-end journey, including sourcing, the fact-find process, and the final Decision in Principle (DIP). The result is a more connected journey that aims to reduce manual processing and increase data accuracy for brokers and their clients.

Scroll Finance, which operates as a trading name of Perenna Bank PLC, currently focuses on its buy-to-let second charge offering but maintains a pipeline of further secured lending and mortgage products in development. A key component of this partnership is the underlying financial structure; as a trading name of Perenna, Scroll Finance has direct access to retail funding. This provides a stable capital base for the lender’s operations in the UK specialist market.

For OMS, the addition of Scroll Finance expands its existing network of lender and specialist finance connections. The platform remains the only end-to-end solution in the UK market that encompasses residential, buy-to-let, second charge, equity release, bridging, and commercial mortgages, alongside general insurance and protection sourcing. This integration is part of a broader commitment to creating a fully connected mortgage ecosystem where data flows seamlessly between intermediaries and lenders.

"Specialist lending continues to attract new entrants, but what will separate successful lenders from the rest is their ability to combine funding strength, product innovation and operational efficiency. Brokers increasingly expect specialist lenders to combine strong products with efficient processes that help cases progress quickly and smoothly."

Dale Jannels, CEO of One Mortgage System.

The companies involved

One Mortgage System (OMS) is a UK-based CRM and loan origination platform designed for intermediaries and lenders. The firm provides a comprehensive suite of tools for product sourcing, protection sourcing, and criteria searching across various mortgage sectors. Under the leadership of CEO Dale Jannels and Managing Director Neal Jannels, the company has positioned itself as a central hub for the mortgage ecosystem, integrating with various third-party providers to streamline the lending lifecycle from initial enquiry to completion.

Scroll Finance is a trading name of Perenna Bank PLC, a digital-led bank that emphasises a tech-first approach to the mortgage market. Perenna obtained its full UK banking licence to offer innovative lending products and has since expanded its reach through specialist brands like Scroll. The bank’s strategy revolves around leveraging retail funding to provide long-term stability in its lending products. Ashish Kashyap, who serves as Deputy-CEO and Chief Commercial Officer at Perenna (also identified as Head of Strategy in corporate records), has been a vocal proponent of using system integrations to simplify the lending process for intermediary partners and drive faster lending decisions.

What FF News has reported before

FF News has closely followed the growth of One Mortgage System as it expands its footprint in the UK fintech space. The platform recently achieved significant industry recognition, as seen in One Mortgage System Secures Top Spot as UK’s Leading Mortgage CRM in Benchmark Study. This followed a period of internal expansion and leadership reinforcement, including when OMS Appoint Esther Morley as Non-Executive Director and the subsequent news that OMS Appoints Simon Tippett as Head of Delivery. Furthermore, the company has been active in technical collaborations, recently noted when OMS integrates Twenty7tec ADAPT into platform to further enhance its sourcing capabilities for users.

What this means

This integration highlights a broader industry shift where the "specialist" label no longer excuses manual, clunky processes. As retail-funded banks like Perenna enter the second-charge space, incumbent specialist lenders are under increasing pressure to match the speed and digital integration of these tech-first challengers. The move toward "one-click" DIPs within a CRM environment is becoming the baseline expectation for brokers, rather than a premium feature. The success of such partnerships will likely depend on whether these APIs can handle the complexity of specialist underwriting without reverting to human intervention, raising questions about how much of the specialist decision-making process can truly be automated in a volatile rate environment.