Second Charge Loans

DPR’s new second charge lending platform combines our deep understanding of the secured loans market with a wealth of experience delivering FCA-compliant mortgage systems. As this critical time of regulatory change in the industry, DPR’s proposition gives our clients the reassurance of a proven solution and the expertise required to facilitate a safe and controlled transition.


  • Owner-occupier
  • Buy-to-let and let-to-buy
  • Support for all regulatory regimes (non-regulated, MCOB, EMCD)
  • Fixed, discounted and variable rates
  • Repayment, interest only or part-and-part
  • Product-specific lending criteria
  • Ability to implement risk-based pricing by applying rate loadings and discounts based on merit and/or demerit points
  • Product cascade up or down
  • Suite of product management and configuration tools
  • New products can be published prior to the launch date, at which point they will be activated automatically


  • Full support for both introduced and consumer-direct business
  • Fine-grained control of product by channel and/or distributor
  • Multiple intermediary distribution tiers (DA, AR, Network, Mortgage Club, Packager/Master Broker)
  • Automatic procuration fee calculation including splits and overrides
  • Broker registration and approval process, including FCA Register validation upon registration and when Register database updated
  • Funding and distribution pools with tranche criteria, funding thresholds, depletion alerts and automated staged product withdrawal
  • Can operate multiple lender brands from a single implementation, each with its own products, rules, templates and process flows
  • Ability to report on sales performance over time by distribution channel and other attributes


  • Tailored web portal for use by intermediaries, internal sales staff and via consumer-direct channel. Includes online illustration, AIP/DIP, full loan application and case tracking
  • Detailed debt consolidation worksheet, automatically populated with bureau data for maximum accuracy
  • Fully EMCD-compliant advised sales process for internal sales staff, including fact find, letter of advice, and detailed record keeping
  • Direct integration with master broker systems, allowing introducer to submit enquiries and generate Decision in Principle from within their own screens and with no re-keying
  • Lending decision engine uses workflow, rules and bureau interfaces to produce automatic accept/decline/refer decision plus supporting checklist items and tasks 
  • Fully integrated with all main credit reference agencies to support automated loan decisioning  
  • Back office applications suite for processing pipeline applications, including role-based task list, checklist items and process wizards (e.g. scripted ‘speak with customer’ wizard)
  • Document management system for document production and imaging
  • Payment administration system for settlement of broker commission and production of remittance advices
  • Direct integration with DPR and other loan servicing platforms for exposure checking and for boarding of new customer/loan records on completion


  • Maintain balances and transactions for all accounts
  • Daily calculation and posting of interest, apportionment of payments received and Direct Debit processing 
  • Statement production
  • Daily extract of all monetary movements and accruals to General Ledger
  • Single customer view showing overall exposure across accounts and product categories
  • Library of 100+ business process wizards for handling all types of customer and account processes
  • Automatic detection of missed payments and selection of correct arrears strategy based on customer risk profile
  • Fully configurable collections process to specify customer contact frequency, correspondence and other activities
  • Ability to create and track arrangements for arrears cases
  • Optional e-banking portal allowing customers access their accounts online to view accounts and make payments

Process Efficiency

  • The workflow engine automates common tasks, reducing the amount of manual handling required to process pipeline applications and manage account servicing processes
  • Where manual activity is required, the system automatically assigns the correct priority and allocates the task to an appropriate role, allowing lower skilled staff to use the system in a controlled and productive manner
  • Direct integration with credit reference agencies, payment service providers and other third party services ensures information is exchanged accurately, quickly and without manual re-keying
  • Task performance against deadlines and SLAs is proactively monitored and escalated if needed
  • Data warehouse providing management insight into operational bottlenecks, resource utilisation and other metrics

Business Benefits

The DPR platform helps organisations large and small to optimise their origination and servicing operations, driving down costs and ensuring that they make best use of available resources. DPR’s powerful workflow engine automates common tasks; integration gateways enable seamless exchange of information with a library of industry-standard service providers and our smart task management technology brings control and insight into manual processing.

In a competitive and rapidly changing market, providers must be able to react rapidly to changing needs and circumstances. DPR’s suite of graphical configuration tools brings new levels of customisation and control to the business, shortening development times and enabling business analysts to directly maintain and test complex business functionality without programming.

DPR’s modular, service-oriented architecture is robust, secure and easy to manage, and is designed to scale seamlessly across physical, virtual or cloud-based implementations for organisations of any size. Comprehensive telemetry provides real-time insight into system health and resource utilisation, and additional system capacity can be easily provisioned by adding additional storage and service nodes as required.


Business Rules Builder


Work Flow Builder


Summary Dashboard