Mortgage Brain has launched an AI Charter, setting out a framework for the responsible development and deployment of artificial intelligence (AI) across its platforms.
The charter has been introduced in response to growing concerns around the use of third-party AI tools within mortgage technology, where firms may be unknowingly exposing sensitive client data through external infrastructure.
Mortgage Brain said the framework is designed to provide clarity around how AI systems are built, governed and managed, particularly in regulated environments where data security and consistency are critical.
The charter is structured around four pillars: cost, intellectual property and data sovereignty, consistency, and speed and fit-for-purpose deployment.
These areas aim to address key risks including reliance on third-party providers, control of client data, reliability of outputs, and the suitability of AI systems for specific use cases.
The firm said its approach is based on developing and operating its own AI models, trained on mortgage-specific data, with client information remaining within its own systems rather than being processed through external platforms.
Zahid Bilgrami, chief executive officer at Mortgage Brain, said: “Brokers and lenders deserve a clearer picture.
“We needed a documented framework that customers, compliance teams, and partners can actually interrogate.
“Too many firms are making procurement decisions without asking the right questions.”