Patterson, who was also one of Homepoint’s founding members, said technology would play a leading role in helping to make the mortgage process “easy and seamless” for both broker partners and consumers, but never at the expense of well-established, direct broker-to-client relationships.

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She said: “Efficiency, and obviously scalability, are key components to the success of any wholesale lender, and utilisation of automation is a key component of that.

“Brokers have had to adapt to a lot of change, but I think that goes along with this industry – in order to be successful you have to be adaptive, nimble and able to pivot with changes in the market.

“But I also believe that mortgages will never stop being about people and relationships as well. You have to have a good balance of the two in order to be successful,” she added.