2026
The Mortgage
Broking OS
Introduction
Imperium for mortgage broking · The Mortgage Broking OS
Table
of
Contents
01
The bottlenecks, and the operating system that clears them
02
Property businesses next to yours: Geonet, BDL and Core Concept Living
03
Your own app, answering from your own book
04
Built in stages, around the business
05
The capability behind each installation
06
The questions to ask, and how we start
A book,
worked
as a whole.
Imperium builds mortgage broking firms their own AI Operating System, so the book can grow without the back office growing with it.
Imperium for mortgage broking · The Mortgage Broking OS
The bottlenecks in a
broking business.
THE BOTTLENECK
WHAT IT COSTS YOU
01
No clear view of the pipeline.
Applications sit in portals, inboxes and spreadsheets, so what will actually settle this month is a guess.
02
Nobody can see what the book earns.
Upfronts, trail and clawbacks have to be matched loan by loan, so the real monthly number is a spreadsheet away.
03
Capacity is worked out by hand, lender by lender.
The answer changes with each one, so the same sums are redone until a file fits.
04
Documents are chased one message at a time.
Statements arrive late, rate holds expire, and the client feels the delay.
05
The book goes quiet after settlement.
Past clients refinance elsewhere, and the trail leaves with them.
06
Decisions and fixes wait on one or two people.
When the principal is out, files stall and the client hears before you do.
Imperium for mortgage broking · The Mortgage Broking OS
Your team already uses ChatGPT
and Claude. They can’t see
your book.
Keep them. On their own, they stall for the same reasons.
01
Nothing is connected.
Your CRM, your inbox, your documents and your accounts aren’t wired in, so each answer only knows what someone pasted in.
02
The client conversations are out of reach.
WhatsApp and email are where the fact find actually happens, so those threads sit outside every answer.
03
Each person’s AI learns alone.
What one broker teaches it, nobody else gets. When someone leaves, it goes with them.
04
So the work is still done by hand.
Someone still sends the same document request for the third time.
“ChatGPT just answers certain questions. This builds stuff for you.”
Sean Johnson · Founder
Imperium for mortgage broking · The Mortgage Broking OS
An AI Operating System is three parts.
Your team only has the first.
We build the other two, around your business. Together, that’s your AI Operating System.
YOU HAVE IT
IMPERIUM BUILDS THESE TWO
01
The AI model
The brain. Claude, ChatGPT, or a local model on your own machines for sensitive work. When a better one comes out, we plug it in.
YOU HAVE THIS ALREADY
02
Your data, organised
Your CRM, documents, email and WhatsApp, connected and set out the way your business runs, so the answers are right.
WE BUILD THIS · THE HARD PART
03
Your own app
Custom built for your firm: your brokers, your processors, your panel, the way you work. On every desk and phone, your team asks in plain English and approves the work it drafts.
WE BUILD THIS · CUSTOM TO YOU
ChatGPT
Claude
Gemini
DeepSeek
HubSpot
Docusign
WhatsApp
Xero
Gmail
Drive
Wrenfield Home Finance
WhatsApp
HubSpot
ClaudeYou own your data and everything built on it: infrastructure that grows with you. Swap the model or the app later and nothing is lost.
Imperium for mortgage broking · The Mortgage Broking OS
What it runs across the business.
Pipeline
Every file, what stage it is in and what is holding it, live.
Client reviews
Built and checked from your own data,
ready whenever a client asks.
ready whenever a client asks.
Capacity
Each lender’s sums worked from the file and panel notes, for a broker to check.
Conversations
Every channel watched, and replies drafted.
Documents
Requested, tracked and chased to the file.
Commission
Upfronts, trail and clawbacks in one picture.
All of it in your own app, built around the business: ask, check the answer, approve.
WHAT YOUR TEAM GETS
Your firm’s own app, on every desk and phone.
Connected to your CRM, email, documents and WhatsApp.
Answers from your own data, and shows where it came from.
Drafts the next step for a person to approve.
What one person teaches it, the whole team gets.
Imperium for mortgage broking · The Mortgage Broking OS
What changes.
The outcome for the average client.
3.1×
Increase in output
per person
per person
7.5
Hires not made,
per company
per company
$175,000
Payroll prevented a year,
per company
per company
5.6×
Speed increase for work
handled by the OS
handled by the OS
Across selected interviews
52%
Working time returned per person
Figures calculated from selected client interviews, across different companies and tasks. See the individual stories for context.
Imperium for mortgage broking · The Mortgage Broking OS
Experience across
businesses and industries
The tools differ, but the problems repeat: knowledge scattered across teams, reports that take days and work that waits on one person.
Our company and team experience spans property, hospitality, retail, technology and professional services.
Our company and team experience spans property, hospitality, retail, technology and professional services.
Selected company and team experience, including earlier professional relationships.
Imperium for mortgage broking · The Mortgage Broking OS
Working sessions
with operators
Questions from the people doing the work shape the product: visibility, accountability, adoption and time returned to the team.
Recorded conversation · questions before tools
Workshop · from questions to decisions
Live presentation · bringing AI into the operating conversation
Imperium for mortgage broking · The Mortgage Broking OS
10 hires prevented and
hundreds of thousands
saved in 60 days.
A property developer and hospitality group across several brands, with its own platform for sales agents and a settlements team.
PROBLEM
Several projects moving at once, with each one adding hires in marketing, finance and settlements.
SOLUTION
One operating system across the whole team, with each role given the tools it needs.
OUTCOME
“It was understanding what was giving us a return on our advertising expense, where people were working effectively, and getting the information through the organisation as well.”
Chad Egan, Founder & CEO
A four-week launch plan for its sales agent platform, delivered in four days.
The settlements view the team works from: contracts in flight, days in each stage, the ones going cold.
Imperium for mortgage broking · The Mortgage Broking OS
60% of the organisation’s
time back.
Sales, property management, daily rentals and land. A real-estate firm with a back office much like yours.
PROBLEM
Seventeen properties under management heading for fifty, run by four people in the office. Admin was the ceiling.
SOLUTION
The operating system over the booking, pricing and accounting systems: client reporting, revenue work and conversations in one picture.
OUTCOME
“Once the system is set up completely, 60% of time back, easily.”
Sean Johnson, Founder
Reports that took a staff member six hours take one.
The plan: 17 to 50 properties on the same office team.
Imperium for mortgage broking · The Mortgage Broking OS
17 homes, one employee,
up to $15,000 a month
in hires prevented.
A development of 17 homes and a residential community, run by founder Shanny Poijes.
PROBLEM
Tenders, purchase contracts, legal, accounting and marketing for a full development, with a plan to hire six to eight people to carry it.
SOLUTION
The operating system as his back office: every document, number and message in one place. Contracts drafted by the system, quotes sent from his phone.
OUTCOME
“I was thinking I might need six to eight people. Now I need one.”
Shanny Poijes, Founder
A planned team of six to eight became one hire.
A sale contract that cost $3,000 to $5,000 in legal drafting is now a button.
The pipeline.
In one place.
Your own app, connected to the systems the business already runs on.
Imperium for mortgage broking · The Mortgage Broking OS
Your app.
Your KPIs.
Custom built for your firm.
Built around the book.
Built around the book.
Next to the apps you use
Wrenfield Home Finance
Gmail
Google DriveWhatsAppHubSpotClaudeYour own app, in the dock on every desk.
Your office stack, connected
HubSpot
Docusign
Outlook
Gmail
Drive
Calendar
WhatsApp
Xero
Dropbox
Teams
Slack
Notion
1,400+ tools in the catalogue. Connect the ones you authorise.
The operating picture
APPLICATIONS IN FLIGHT
38
APPROVED THIS MONTH
11
SETTLING THIS MONTH
US$6.4m
CLIENT REVIEWS READY
23 of 31
The numbers you check first, live.
ARX
The app your team works in
Your book’s knowledge, connected
behind every answer and action.
behind every answer and action.
On WhatsApp
Client, referrer and lender-side conversations, connected to the same data. Replies drafted for approval.
Approval
by role
by role
Set by person
and by action.
and by action.
From the number
to the next action
to the next action
The Alcott file: the valuation came back US$18,000 under. Approving the revised structure holds the rate and keeps settlement on the 14th.
One approval
Structure sent
Settlement held
Prepare
Client reviews, submissions and replies
Collaborate
Share the work and its context
Multi-model
ChatGPT
Claude
Gemini
DeepSeek
Open models can run on your own machines.
Product illustrations · fictional demo data
Imperium for mortgage broking · The Mortgage Broking OS
The whole pipeline
on one screen.
Every file and its stage, client reviews ready to approve, documents being chased and every client answered.
Your colours
Built in your firm’s colours.
Your logo
Branded with your logo, on every desk and phone.
Yours to own
Your data, files and setup stay yours.
Example workspace. Illustrative figures, not client data.
Imperium for mortgage broking · The Mortgage Broking OS
Ask in your
own words.
It answers from
your book.
Engineered to be as simple as possible: ask it anything about your book and it adapts to the way your team works.
1
You ask in plain English.
2
It answers from your own data.
3
It drafts the next step. A person approves it.
4
It shows its sources: HubSpot, Gmail and Drive.
5
Your own app, in the dock next to the apps you use.
1
2
3
4
Wrenfield Home FinanceGmailGoogle Drive
Google CalendarWhatsAppHubSpotClaude5
Hover a step to see it on the screen. Illustrative screen, example data.
Imperium for mortgage broking · The Mortgage Broking OS
You stay in control.
What needs you, ranked
The few decisions worth your time, with the impact and the evidence next to each one.
Every answer shows its sources
Each number traces back to the system and the rows it came from, so your team can check it.
Nothing goes out without approval
Emails, messages and changes are drafted for a person to approve. You set who approves what.
Product detail from ARX. Illustrative workspace.
Engineering.
Inside the business.
Every installation is engineered inside the business, around the systems and people already running it.
Imperium for mortgage broking · The Mortgage Broking OS
The capability behind an installation
KNOWLEDGE ENGINEERING
Structure company information so context can be found, understood and traced to its source.
Taxonomy and retrieval make the knowledge useful beyond a single conversation.
SYSTEMS ENGINEERING
Connect the data, tools and permissions behind daily operations.
Each installation has to reflect how the company actually works, from the source of a record to the team responsible for using it and reviewing the next action.
OPERATIONAL UNDERSTANDING
Work with sales, marketing, finance and operations to decide what matters, what should change and how the team will measure progress.
A defined workflow, an accountable owner and a useful baseline give the installation a practical starting point.
Imperium for mortgage broking · The Mortgage Broking OS
The architecture
behind useful work
A stalled file belongs to a client, a lender, a document and the person responsible for clearing it.
The AI OS keeps those relationships together, so every answer starts from the business itself rather than an isolated prompt.
The AI OS keeps those relationships together, so every answer starts from the business itself rather than an isolated prompt.
Clients
Lenders
Referrers
Applications
Documents
Conversations
Commission
Permissions
Your app
Integrations
Imperium for mortgage broking · The Mortgage Broking OS
One responsibility,
from build to operation.
Build.
Run.
Run.
The engineers who build it
stay with it once your
team is using it.
stay with it once your
team is using it.
Software and engineering, together.
Understand
Map the bottlenecks
in the business.
in the business.
Connect
Wire in the systems
the business runs on.
the business runs on.
Improve
Put your team on the app,
then add the next areas.
then add the next areas.
Imperium for mortgage broking · The Mortgage Broking OS
Installed with
the people
who use it
Choose an internal champion and a real workflow, such as the client review run. Establish what good looks like, then work through the difficult cases together.
The goal is capability inside the business: people who understand the OS, trust its boundaries and can use it without waiting for the principal.
The goal is capability inside the business: people who understand the OS, trust its boundaries and can use it without waiting for the principal.
Working through the company’s own questions
Building capability inside the team
Imperium for mortgage broking · The Mortgage Broking OS
What adoption
actually requires
“Reduce the time we spend on
manual procedures and workflows
and filling out spreadsheets…”
manual procedures and workflows
and filling out spreadsheets…”
ALBERTO FURGER
Project NANDA’s preliminary 2025 findings: enterprises had invested $30–40bn in GenAI, yet 95% of the organisations studied were getting zero return and 5% of custom enterprise AI tools reached production. Tools built with external partners made it to production far more often than internal builds.
Context that stays useful
The underlying model will change. The company’s knowledge, definitions, workflows and permissions are the foundation the team keeps building on.
People who can use it
Every installation trains internal champions: people who learn the OS, test it against real work and help the rest of the company adopt it.
MIT Project NANDA, “The GenAI Divide: State of AI in Business 2025”, July 2025. Preliminary findings, January to June 2025: 300+ public AI initiatives, 52 interviews, 153 senior-leader surveys. Outcomes self-reported.
A company built
alongside companies.
The product takes shape alongside the teams who use it. We map the company’s questions, build around its priorities and stay close as the team puts the OS to use.
Imperium for mortgage broking · The Mortgage Broking OS
The
Founders
Product engineering and commercial operations meet in the same responsibility: understanding the company, building around its priorities and helping the team put the OS to work.
The founders remain accountable for the quality of that relationship.
Alex Kaymakanov
Chief Executive Officer
Leads company direction and product, drawing on software, data procurement and resource-planning experience. His focus is the architecture behind ARX and the engineering standard required to make company knowledge useful in daily work.
Archie Nash
Chief Operating Officer
Leads operations, installation and customer success, drawing on the analysis of marketing, sales and operating performance. His focus is a clear business problem, useful measures and the internal ownership needed to make the OS part of everyday work.
Imperium for mortgage broking · The Mortgage Broking OS
The disciplines
behind the OS
Architecture, engineering, security and experience.
Architecture
How company knowledge, systems and permissions fit together.
Engineering
The app, its connections and the retrieval behind every answer.
Security
Access and data handling, set before anything connects.
Experience
An app your team wants to open, in your company’s brand.
On stage · AI operating systems for business
Imperium for mortgage broking · The Mortgage Broking OS
Experience that
informs the work
Our background combines software, data procurement, migration and resource-planning systems for large organisations with the analysis of marketing, sales and operations.
That experience informs how we structure company knowledge, connect its systems and improve the work behind the numbers.
Software & data systems
Commercial operations
Founder-reported professional background. Prior engagements are not current Imperium customers or endorsements.
Imperium for mortgage broking · The Mortgage Broking OS
Principles
for useful AI
An AI OS earns its place through the work it helps people do. These principles guide how Imperium builds and runs every installation.
Start with the company
Learn the tools, responsibilities and daily work before configuring anything.
Show the source
Make company context available for review alongside the answer.
Keep access deliberate
Set connections and permissions around the people who use them.
Build with the team
Install alongside the team and develop internal ownership.
Stay accountable
Keep engineering close as the business and its workflows change.
Imperium for mortgage broking · The Mortgage Broking OS
A year of progress
Moving onto
the cloud
the cloud
2027
Q4 2025
Search by meaning
Taxonomy and retrieval
Structured company information
Applications built on expert knowledge
Q1 2026
Clear workflow ownership
Operational partnerships
Shared business definitions
One view of company knowledge
Q2 2026
Company dashboards
Retrieval and memory
Core Concept Living installation
Answers that show their sources
Continuum Recruitment installation
Q3 2026
Team onboarding
Your colours and logo
Each company’s own app
Sharing across the team
A catalogue of 1,400+ tools
Approvals for connected actions
Q4 2026
Access from any device
Secure private servers
Cloud or on-premise deployment
Shared work with company context
Development themes by quarter, not exact release dates. October 2025 to April 2026: the company’s account. May to September 2026: dated records. Q4 2026: the current quarter.
A foundation
that keeps improving.
As models improve, the business’s organised data and workflows become more valuable.
Imperium for mortgage broking · The Mortgage Broking OS
The questions to ask
before you start.
How long does setup take?
It goes in stages.
We connect and organise your data first, the bigger job, then put your team on the app. Geonet was live across its team in 60 days.
Is it a one-off cost, or ongoing?
We build it, train one person inside your business to run it, and stay on for support and the next areas you add.
How much ongoing help you want is your call.
Does this touch the advice,
or just the work around it?
or just the work around it?
The work around it.
It gathers the file, shows the numbers and their source, and drafts what comes next. The recommendation stays yours, with its sources kept beside it.
Will this be out of date in a year?
Models will keep changing.
Your data, organised, is the infrastructure for the next ten years. Plug in a better model and nothing your business has built is lost.
Imperium for mortgage broking · The Mortgage Broking OS
The questions to ask
about your data.
How does the data get transferred?
It isn’t moved.
Your data stays in your own systems and accounts. When someone asks a question, only what’s needed to answer it goes to the AI model.
Why would we trust you with client data?
You don’t give it to us.
We never hold a copy. Sensitive work can run on a local model on your own machines.
How much of this do we own?
You own your data, files and setup: everything your business has taught it.
We own the app you see it through. If you leave, your data, files and setup go with you.
Can a new broker see another broker’s clients?
Not unless you allow it.
Access is set by role. A broker sees their own files, the processor sees the queue, and you see everything.
Imperium for mortgage broking · The Mortgage Broking OS
What it means for
the business.
01
Every area of the business can come in-house, and the margin stays with you.
02
More settlements on the same office team.
03
Clients see where their file stands, any time.
04
Past clients hear from you after settlement.
05
Your team spends its day on clients and lenders.
How we start.
Write more loans without growing the back office.
01
A 45-minute audit call with the people who run the business.
02
We map the bottlenecks in your business, then come back with a roadmap: where we’d start, and what it takes.
03
Worst case, you keep the roadmap.
Or reply to whoever sent you this link.
The Mortgage Broking OS · October 2026