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Google announced recently that it is adjusting its PageRank search algorithm to give prominence to sites that offer the strongest mobile experience. Some might say that this is yet another nail in the coffin of the PC as the dominant platform, as the balance of power tilts another notch away from traditional form factors towards tablets, smartphones and even wearable technology.

The prospect of completing a mortgage application using a tiny touch screen strapped to the wrist seems comical, and brings back memories of the legendary Casio calculator watch of the 1980s with its miniscule rubber keys. Clearly there are limits to what is practical on a given device, and it seems unlikely that the full sized PC or laptop screen with keyboard and mouse will be displaced any time soon as the platform of choice for professional brokers and lenders due to its superior productivity.

However, that does not mean that there cannot be valuable applications for mobile technology in the mortgage world. For example, existing borrowers could be given secure mobile access to their accounts, allowing them to see balances, make payments or maybe even carry out a product switch at the end of their incentive period through a simple retention process.

Perhaps a more compelling scenario is a customer case tracking app designed to give applicants the ability to view their case status, receive and respond to broker and lender messages and even upload documents using the device’s camera as a scanner. Alerts could be sent out at key points in the application process such as offer and completion.

Fostering a strong relationship between lender, broker and customer whilst at the same time helping to accelerate case completion benefits all parties, and can be a key differentiator as lenders strive to build a distinctive proposition in an increasingly crowded and competitive market.

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