Joanna End to End Acquisition (Mortgage) and Mark Married couple Joanna and Mark rent a flat in Edinburgh. They’re keen to take the first step in becoming homeowners.
Joanna and Mark Married couple Joanna and Mark rent a flat in Edinburgh. They’re keen to take the first step in becoming homeowners.
OPPORTUNITY IDENTIFICATION Mark’s bank is alerted when he updates his Facebook BANK.... HYPER-PERSONALISED Hey Mark status with their house-buying COMMUNICATIONS plans. By linking this social Mark receives a message insight with Mark and Joanna’s from his bank: “Hey Mark, transactional histories, the we see you’re looking to bank can deduce that they get on to the property are looking for a mortgage. ladder. Have you thought End to End about using our tailored Acquisition mortgage plan?” (Mortgage) At the same time, EMPOWERED Joanna opens an email inviting her and Mark to a microsite where they can learn more The couple is instantly SUPPORTED about how to become added to the ‘Journey to homeowners. your First Home’ campaign.
1 CUSTOMISED OFFERS 2 When browsing the microsite together, Joanna and Mark 3 INITIAL ADVICE are enticed by suggestions KNOW YOUR CUSTOMER Joanna and Mark agree to for mortgage products Both Mark and Joanna are accept an invitation to chat which complement their keen to find out more and online. The online advisor financial goals. register for the microsite to can see the products be updated when any new they’re interested in and information is available here. provides more detail on Their bank recognises them how each one works. both as individuals and as a ‘Household’. This now allows CONNECTED & UP TO DATE They also get instant ENLIGHTENED communications replies to their questions to be sent on both They can use a calculator IN CONTROL and are given links to a personal and Hi Joanne to visualise a total break- useful guidance, including shared basis. Hey Mark down of what the monthly a ‘Mortgage Jargon Buster’ cost would look like and where they discover what how this fits with their LTV means. current household budget. The chat online chat They’re encouraged by switches automatically what they can afford and to assisted based on a are interested in confirming conversation flow… this with an advisor.
FIND THE DREAM HOME When their chat session finishes, Mark and Joanna visit real estate websites again where add-on adverts are displayed. When Mark COMPARE OFFERS and Joanna click on an Mark and Joanna have add-on, they see basic selected the house and information about relevant they revisit the microsite mortgages for each to see and to compare specific property. mortgage offers. And because it works INFORMED across channels, they can access their search They’re pleased to see CONFIDENT information using the that their bank’s products Mobile app and from the come out on top and feel real estate microsites. confident that they’re close to getting the best mortgage they can afford.
GET DETAILED MORTGAGE FINANCIAL ADVICE APPLICATION AND Mark and Joanna want to PROCESSING double check a few more Mark and Joanna decide to details on their preferred go ahead and apply. Using a mortgage product. They form that has already been accept an invitation from pre-populated with their their bank for a video data, the advisor starts the meeting with an advisor. IN CONTROL Mark and Joanna are application process during emailed with a time-to- the video meeting. decision estimate of 5 working days. They can 5 Days They are pleased to SUPPORTED track each process stage receive all the relevant using the mobile app and The video meeting is cut XXXXX information a few days in just 3 days are told that short as Joanna has to take before the meeting takes a decision will be with a work call, but the couple place, including a link to them in 24 hours. completes the final steps an LTV calculator. It also online later the same day. includes an illustration They also upload all the that shows that – by documents requested choosing this mortgage – using a personal digital they can get discounted document wallet. home insurance and an interest-free loan for 6 Joanna receives a courtesy months. This will be a call from their advisor to great help when buying let them know that their new furniture! mortgage application is now being processed.
MORTGAGE SET UP MORTGAGE APPROVAL Mark and Joanna can see It’s good news – Mark and online that their mortgage Joanna’s application has is ready to go and decide been successful. to put an offer on their first choice of property via their mobile app. As the estate agent can see their mortgage offer and financial status the offer is accepted within a matter of hours. Their advisor sends DELIGHTED them both a text as soon as this happens and welcomes them Joanna is also pleased REASSURED on board as new when her bank sends mortgage customers. her a personalised guide showing her the steps that happen next. In just 8 weeks she and Mark celebrate moving into their new home.
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