Every file right, first time.
ArcMichael reads a mortgage or protection file the way a good compliance reviewer does - every payslip, bank statement, ID document, memorandum of sale and suitability letter - and produces a graded list of findings with the evidence pointed to, page by page. Your reviewer confirms or overrides each one. Minutes instead of hours, and a report your principal will accept.
ArcMichael supports your compliance process. It does not replace your judgement, and you remain responsible for the advice you give and the files you submit.
Three things it does
Checks files before submission
Purchase, remortgage, buy-to-let, product transfer and protection files, checked against a rule-set your firm can tune: affordability evidence, deposit source, ID and address, income consistency, interest cover, suitability and Consumer Duty record-keeping. Each finding carries a severity, the rule it relates to, and where in the file the evidence is.
Keeps clients close
Clients, cases and products are extracted from the files you review and confirmed by your admin, so your CRM fills itself. Scheduled messages go out before a fixed rate ends, at renewal, on anniversaries - with consent recorded per contact. Channels: email, and WhatsApp once Meta has approved our templates.
Asks for the review
A completed case is the right moment to ask for a Google or Trustpilot review. ArcMichael sends the request when you say so, with the lawful basis recorded.
How it works
- Connect a OneDrive folder or upload a file. You choose, per folder, what ArcMichael may read and whether it keeps the source documents.
- ArcMichael reads every page and produces proposed findings: Critical, Major, Minor or Advisory, each with a rule reference, the evidence and a suggested resolution.
- A named person at your firm confirms or overrides each finding. Every decision is logged with who made it and when.
- A branded report is generated - your logo, your firm details, your FCA reference - and shared with the adviser when you approve it.
Why it is built this way
The FCA expects firms to keep robust, consistent records of the quality of their advice. Human reviewers are good at judgement and bad at reading 90 pages at speed, for the twentieth time that day. ArcMichael does the reading and the first pass; your people make the decision. The audit trail shows both.
What ArcMichael does not do
It does not approve files, does not submit to lenders, does not promise a lender or network outcome, and does not decide whether advice was suitable. It gives your reviewer the evidence to decide faster and more consistently.
Pricing
From £89 a month for a single adviser, including the compliance engine, CRM, automations and review requests. Published prices, no sales call needed. Annual plans are two months cheaper.
Security and data protection
UK company. Data held in the EEA today with a published path to UK-only hosting. Your documents go to our AI provider under a data processing agreement and nowhere else. Deletion honoured within 30 days and logged. Two-factor authentication available to every user and enforceable by the firm.