Mortgage broking

Payslips against a rate that expires on Friday.

Pidgy is an AI email assistant for mortgage brokers. It sorts the inbox before you open it, counts the days on every document a borrower has not sent, drafts the reminder in your words, and turns what you promised a bank in a thread into work you can see.

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Gmail and OutlookYou click sendEU data residency

Today 2 of 12 done

Good morning.

Tuesday, 2 June

6 waiting on you·24 waiting on borrowers·Two rate holds expire Friday

FocusWaiting
JMBank wants the compromis, rate hold ends Friday1dRate expires
DVThree payslips, still missing12dBlocks the file
BNBank offer arrived, walk the clients through it1dReturned
KLNotary asked for the fire insurance certificate2dReply
52 replies drafted · 11 stale follow-ups · 167 to triage

Illustrative data from no real brokerage

A working week, on average

EmailThe actual work
120+

business emails a day, per person. Perhaps six change what you do.

Radicati Group, Email Statistics Report
23 min

to get back to what you were doing after one interruption.

Mark, Gudith and Klocke, UC Irvine, 2008
28%

of the working week goes to email, before any real work is opened.

McKinsey Global Institute, The social economy, 2012

The file is complete except for the thing the bank asked for yesterday.

A borrower sends four documents and forgets the fifth. The bank asks for a sixth. The rate hold has a date on it and nobody in the office is counting toward it except the bank.

It is that nothing counts the days. A payslip requested on the 20th, mentioned again on the 26th, and on the 2nd the borrower is surprised the rate is gone.

Pidgy does not arrange the loan.

Four things it does before you have opened anything.

NLRate watch: this week's movementsNewsletter
CRYour CRM subscription renewsNotification
Bank wants the compromis, rate hold ends Friday ~10mRate expiresJanssens and Moreau
Three payslips, still missing ~3m12 days waitingBlocks the file
RNRelease notes: e-signature updateNotification
WBWebinar: energy renovation loansNewsletter

You only see what matters

A hundred and sixty a day, and the ones that matter are the ones with a rate expiry behind them.

De VosThree payslips, asked twice12dFollow up
JanssensSigned compromis for the bank4dFollow up
KalimbaFire insurance certificate1dToo soon
Follow up · De VosDrafted

Dear Mr and Mrs De Vos, a short reminder about the last three payslips. The bank cannot issue the offer without them and the rate hold runs out on Friday. Photos from your phone are fine.

SendReady when you are

Follow-ups sorted for you

Which borrower owes which document, how many days, and the reminder already written in your words. You press send.

PJFrom Pieter JanssensJanssens and Moreau · this morning

Compromis signed, and a question about the notary

We signed the compromis this morning, copy attached. The notary asked whether the bank needs the energy performance certificate before or after the offer. Signing at the notary is on the 26th.

Send the compromis to the bank
Tell the notary when the bank needs the energy certificateBefore 26 JunPieter JanssensJanssens and Moreau
Walk the Bens through the offer
De Vos file opened

Emails become tasks

Who is asking, what for, and by when, lifted out of the email and put on the list with the deadline and the file attached.

JMCompromis, signed, 2 JuneContract
DVPayslip, AprilBorrower document
BNLoan offer, fixed 20 yearsBank
KLFire insurance certificateBorrower document
NTNotary, appointment confirmationNotary
NLRate watch, weeklyNewsletter

Emails categorised for you

Contracts, borrower documents, bank offers, notary correspondence, rate watches. Labelled on arrival, so the compromis is one click, not a search.

Illustrative data from no real brokerage

And then the rest of the day.

Three more things Pidgy does between an email landing and the offer being signed.

  1. Replies

    Three ways to answer it. Or your own words.

    Every thread that needs a reply gets three, and they are the three things you would most plausibly say back given what the borrower or the bank asked.

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    Reply to Pieter Janssens

    “The other bank is offering 0.15 lower. Should we switch?” Pieter Janssens, this morning

    Three likely answers click one

    Compare honestly
    Ask for the offer
    Propose a call
    Write it yourselfAlways available
    Selected draft Edit

    Dear Pieter, 0.15 on the rate is real money, but compare the total: fees, the insurance they require, and whether the hold still fits your notary date. Send me their offer and I will put both side by side this afternoon.

    SendYou press it
  2. Plan mode

    Your day on one side, the work on the other.

    You drag one into the other, and a Friday with two rate expiries on it looks that way on Monday.

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    Plan mode click a task

    Unscheduled

    Send the compromis to the bank10m
    Energy certificate timing, notary15m
    Walk the Bens through the offer45m

    Wednesday

    Bank meeting, KBC
    Drop a task here
    De Vos, document review
    Drop a task here
    New client intake
    Wednesday has two free hours. Three tasks want them.
  3. Ask Pidgy

    Or just ask it.

    “Which files expire this week?” is a question you answer today by opening every folder.

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    Ask Pidgy

    Which files expire this week?

    Pidgy

    Two rate holds end Friday. The one that is not ready:

    Three payslips · De VosYou asked 21 May · 12 days, no replyOpen
    AKAnneke opened this file. Hand her the follow up?Delegate
    Ask anything about your mailbox→

Illustrative data from no real brokerage

Before you let anything near a client mailbox.

You click send

Pidgy drafts. It has no permission to send on your behalf, and there is no setting that grants one.

Hosted in the EU

Data residency in the EU, scoped per mailbox, DPA on request. Export or purge whenever you want.

It never deletes

Nothing is archived, moved, marked read or thrown away. Your mailbox is exactly where you left it.

Never trains on you

Correspondence builds your lists and your drafts. It is never used to train a model, ours or anyone else's.

Questions brokers ask

What does it cost?+

Per mailbox, monthly. Every account starts with a 7-day free trial. The trial needs no credit card.

Does it talk to the banks or submit anything?+

No. It drafts, you send. Applications, offers and signatures go through the bank and the notary exactly as they do now. Pidgy makes sure the documents and the dates reach you in time.

Borrowers send photos of everything by WhatsApp. Does it see that?+

No, by design. Pidgy reads the mailbox and nothing else.

Does it read the figures on the payslips?+

No. It knows a payslip arrived and closes the request. Affordability is your work and stays yours.

Does it work in Dutch and French?+

Yes. It reads mixed language mailboxes and drafts in the language of the thread, which for most brokers means Dutch to one borrower and French to the next.

Is borrower data used to train a model?+

No. Processing happens in the EU, scoped to the mailboxes you connect, under a data processing agreement we sign.

Try Pidgy on your own inbox.

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