For mortgage brokers and lenders
On HomeBid the buyer's financing position is captured and evidenced before the seller accepts. Your decision in principle is part of what makes a bid credible, and the digital twin carries it, with the buyer's verified identity, funds and source of wealth, to everyone who needs it next.
Your part in it
Now
Buyers upload the decision in principle you issue; it moves their lender position from declared to evidenced in the score, and the seller can see it. The buyer's identity, bank-sourced balances and source of wealth are already verified when they come to you, which shortens your own file.
On acceptance
With the buyer's consent, the package carries the property, the agreed terms and the verified financial position to the lender and the conveyancers, so the application, the valuation instruction and the legal work start from the same record.
Next
A lender and broker referral rail is built into the platform and switched off. It goes live only after FCA perimeter advice on whether the activity needs authorisation, an exemption or an appointed-representative arrangement. We would rather say so than switch it on early.
HomeBid does not give mortgage advice, arrange credit or handle funds. It records and shares evidence with the buyer's consent.
The digital twin
When a seller accepts a verified buyer on HomeBid, the platform generates a digital twin of the transaction: the property, the parties, the verified identity and the evidence behind it, the financing position, the professionals appointed, and the acceptance record. It is built to the Property Data Trust Framework, an open standard, and delivered to the people who need it within 48 hours.
What it holds
Plot or property and sales terms; buyer and seller; identity results aligned with HMLR Practice Guide 81; source of funds and source of wealth evidence; screening results with the daily refresh history; the buyer's solicitor and lender position; the acceptance record with timestamps.
Who receives it
Both conveyancers on acceptance. The agent that marketed the property. The surveyor and the lender or broker when they are instructed. A settlement rail if one is used. Each party gets the slice it needs, in JSON its systems can load and a PDF it can read.
What it is not
The twin accelerates the work of every professional in the chain; it does not replace it. Conveyancers re-verify under their own rules, lenders underwrite, surveyors inspect. HomeBid never represents otherwise.
Who is in the transaction
HomeBid launches with housebuilders because that is where the volume is. The platform is built for every party to a residential transaction, and the twin records each of them.
| Actor | Role in the transaction | In the twin | On HomeBid |
|---|---|---|---|
| Seller or housebuilder | Lists the property, sets terms, accepts the buyer | Property, sales terms, acceptance record | Launching first, late 2026 |
| Estate agent | Markets the property, brings and directs buyers, negotiates, progresses the sale | Listing, marketing record, the agreed terms | Listing and bid management built; agent journey follows the housebuilder launch |
| Buyer | Verifies once, bids, appoints a solicitor and a lender upfront | Identity, funds, wealth, screening, score, appointments | Live with the first developments |
| Buyer's and seller's conveyancers | Complete the transaction; hold the client due diligence obligation | Named before acceptance; the buyer's solicitor counts in the score; receive the package | Receive packages from the first reservation |
| Mortgage broker and lender | Decision in principle, offer, funds | Financing position and evidence; instructed off the twin | Decision-in-principle evidence live; the referral rail follows FCA perimeter advice |
| Surveyor | Valuation, survey, snagging | Instruction and report, against the property record | Bookings and marketplace built; switched on with the developments that need them |
| Compliance providers | Identity, open banking, screening | The verified inputs and the evidence | In the acceptance gate from day one |
| Settlement rail | Exchange, completion and registration where used | Receives the package; returns the outcome | Destinations, after acceptance |
Register your interest. When the referral rail is cleared to go live, the firms on this list hear first.
Rob Penman, Founder. rob.penman@home-bid.co.uk. Capability statements are as of September 2026; the referral rail is coded and switched off pending FCA perimeter advice.