Citrus — Built for UK Mortgage Brokers

Stop losing clients between enquiry and application.

Citrus catches every enquiry, automates the fact-find, chases document requests, and re-engages clients at remortgage time — so your application pipeline stays full without your team chasing PDFs and payslips all day.

// THE HARD TRUTH
£2.4kper remortgage missed
The average UK mortgage broker loses 30-40% of their existing client base each renewal cycle — not because clients were unhappy, but because nobody reached out at month 4 of the 6-month window.
SOURCE / UK MORTGAGE INTERMEDIARY BENCHMARKING
Built for UK mortgage brokers // UK GDPR & FCA compliant // Setup in 14 days // No long-term contracts
£2,400
Average procuration fee + advice fee on a single UK residential mortgage.
68%
Of mortgage enquiries instruct whoever responds in under 30 minutes.
35%
Of existing clients drift to another broker at remortgage without a recall message.

Your advice is excellent. The client journey is leaking applications.

Every UK mortgage broker we audit loses cases in the same three places. Not because of bad advice — because the spaces between enquiry, fact-find, application, and remortgage aren't systemised.

01
// SLOW RESPONSE

The first-time-buyer enquiry came in Sunday. You replied Tuesday.

You're packaging applications, dealing with lenders, in client meetings. The fresh enquiry sits unanswered for 48 hours. By the time you reply, the buyer has had a fact-find call with the comparison-site broker who replied in 20 minutes. They're already signed up.

// ANNUAL COST
~£45,000
02
// DOCUMENT CHASING

You're chasing payslips and bank statements at 9pm.

The client said yes. Then came the fact-find, the ID checks, the 3 months of payslips, the 3 months of bank statements, the ID for the partner, the proof of deposit, the SA302 if self-employed. You're manually emailing reminders. Cases stall. Some clients ghost mid-application.

// HOURS LOST WEEKLY
8-12 hrs
03
// REMORTGAGE DRIFT

Two years pass. Your client remortgages with someone else.

Five-year fix ends in October. You don't reach out until September. Meanwhile, a comparison-site email landed in their inbox in March, and they've already had a fact-find with a different broker. Years of relationship lost to bad timing.

// CLIENTS LOST PER CYCLE
30-40%
/ 30 MIN AUDIT / NO PITCH

See exactly where your brokerage is leaking applications.

We'll audit your enquiry response times, your fact-find process, and your remortgage recall — and show you exactly what they're costing. Straight talk only.

Book Free Audit →
// 30 MIN // NO OBLIGATION // PHONE OR ZOOM
SOLUTION / 03 SYSTEMS

We plug the leaks. Quietly. Compliantly.

Citrus is a done-for-you growth system built for UK mortgage brokers. We install it, run it, and refine it — so you stay focused on advice and lender negotiation while we handle enquiries, document chasing, and client recall.

// SYSTEM.01

Respond first, win the application

Missed-call text-back within 60 seconds. After-hours web chat for Sunday afternoon scrollers. Every enquiry across phone, email, Facebook, and your introducer network in one inbox — so you reply within minutes, not days, and win the cases everyone else loses to comparison sites.

// SYSTEM.02

Automate fact-finds and document chasing

Digital fact-find delivered, completed, and stored before the first call. Automated document request sequences — payslips, bank statements, ID, proof of deposit, SA302s — with friendly reminders that escalate sensibly. Cases reach DIP faster. You stop chasing PDFs at 9pm.

// SYSTEM.03

Win the remortgage every time

Every client tagged to their product end date. Six months before, the recall sequence fires — friendly, FCA-compliant outreach that lands before the comparison-site emails do. Your existing book stays with you, and remortgage revenue compounds year over year.

WHAT'S INCLUDED / 12 TOOLS

Everything you need, in one place.

Citrus runs on enterprise-grade software that would take weeks to set up and months to master on your own. We handle the build, run it for you, and keep it working — so all you do is enjoy the results.

Unified Inbox

SMS, email, web chat, Facebook, Instagram, Google, and WhatsApp — every message in one place.

Smart CRM

Every customer, lead, and job tracked automatically — no spreadsheets, no sticky notes.

Pipeline Tracking

See every enquiry move from first call to paid invoice at a glance.

Online Booking

Customers book themselves 24/7 around your availability — no back-and-forth texts.

Quotes & Invoices

Send branded quotes and invoices from your phone in under two minutes.

Online Payments

Take card payments, deposits on big jobs, and recurring billing — straight to your account.

Automated Follow-Ups

Email and text sequences that nurture every lead until they book — even while you sleep.

Review Automation

Auto-collect Google, Trustpilot, and industry reviews after every customer — without lifting a finger.

Marketing Campaigns

Email and SMS broadcasts to your whole customer list with a few taps.

AI Tools

Smart chatbots, auto-replies, and AI-powered customer support trained on your business.

Reporting Dashboards

Real-time numbers on leads, jobs, revenue, and reviews — no more guessing.

Mobile App

Run your entire business from your phone — reply to customers, send quotes, see your dashboard.

PRICING / 03 PLANS

Three plans. One job: more bookings.

Pick the plan that fits your business — from one-man band to multi-van operation. All plans are rolling monthly with no long-term contracts.

// THE BASICS
Orange
£199 /mo
+ £199 ONE-OFF SETUP · CANCEL ANYTIME
  • Missed a call? We text the client back within 60 seconds so they don't ring the next broker
  • One simple inbox for every enquiry channel — phone, email, web chat, Facebook, Google in one place
  • Automatic fact-find meeting reminders by SMS and email — cut your no-show rate significantly
  • Automatic Google review requests sent at the right moment after completion — your reputation grows on autopilot
  • Monthly report showing enquiries received, response times, fact-finds booked, and reviews collected
  • Email and chat support whenever you need a hand
Get Orange
// THE FULL OPERATION
Lime
£699 /mo
+ £399 ONE-OFF SETUP · CANCEL ANYTIME
  • Everything in Lemon
  • A proper multi-page website designed and built for you — branded, fast, mobile-friendly, with all your services, team, and contact details
  • A smart AI assistant on your website that answers client questions about mortgages and protection 24/7, and books fact-finds while you sleep
  • A client referral programme — your best clients and introducers (estate agents, solicitors) get rewarded automatically for sending you cases
  • After-hours auto-responder that catches every evening and weekend enquiry and books them in for the morning
  • We run your Google Ads for you so you show up when local clients search "mortgage broker near me", "first-time buyer help", or specific case types (ad spend separate)
  • We run your Facebook and Instagram Ads for you — particularly powerful for first-time buyer, BTL, and self-employed campaigns (ad spend separate)
  • Protection cross-sell automation — every mortgage client gets a structured protection conversation flow so income protection and life cover gets discussed properly
  • Automated video testimonial collection from your happiest clients
  • A dedicated account manager — one person who knows your brokerage and replies the same day
  • Quarterly business review with a clear 90-day growth plan
  • All your text and email sending costs included (fair use)
Get Lime

// ALL PLANS LIVE IN 10 DAYS · 30-DAY ROLLING · NO LONG-TERM CONTRACT

EXTRAS / OPTIONAL

Add what you need. Skip what you don't.

Bolt on extras to any plan. Pay only for what you use, cancel anytime.

Full website design
A proper multi-page site for your brokerage — branded, fast, mobile-friendly
£1,497 once
Landing page build
A simple one-page site that captures leads
£497 once
Google Ads management
We run your Google Ads — ad spend separate
£497 /mo
Facebook & Instagram Ads
We run your social ads — ad spend separate
£497 /mo
Social media content
12 branded posts a month — rate updates, buyer tips, deal stories
£347 /mo
Service landing page
Dedicated page for First-Time Buyer, Remortgage, BTL, Self-Employed
£297 once
AI chatbot for website
Answers client questions about mortgages and protection 24/7
£147 /mo
After-hours text responder
Catches evening and weekend enquiries automatically
£97 /mo
Introducer programme
Reward estate agents, solicitors, and clients for referrals
£247 /mo
Video testimonial collection
Clients send quick video clips after completion
£297 + £97 /mo
WhatsApp Business setup
Two-way client messaging in your main inbox
£197 + £97 /mo
AI voice receptionist
AI answers overflow calls and books fact-find meetings 24/7
£397 /mo
/ STOP LOSING CASES

Every week you wait is another batch of clients applying elsewhere.

Most brokers recoup their first 60 days of Citrus fees from a single recovered application. Let's work out what yours could pull back.

Book Free Audit →
// 30 MIN // NO OBLIGATION // PHONE OR ZOOM
PROCESS / 04 STEPS

From audit to autopilot in under 10 days.

No long onboarding. No marathon meetings. We get it live fast so you see the results.

STEP.01

Free audit

30-minute call. We map where you're losing cases and which plan fits. No pitch, no pressure.

STEP.02

Setup

We build everything, integrate your phone, calendar, and contacts. You approve before anything goes live.

STEP.03

Go live

Within 10 days, every missed call, web enquiry, and quote follow-up is being handled automatically — under your brand.

STEP.04

Grow

Monthly reporting, optimisation, and strategy. We refine as the data comes in. You stay on the tools.

FAQ / STRAIGHT ANSWERS

What brokers actually ask us.

Will this replace my admin or paraplanner?+
No. Citrus makes your support team more effective, not redundant. Our systems handle the moments they can't — missed calls, after-hours enquiries, document chasing, remortgage recall — so your admin and paraplanners focus on packaging cases, dealing with lenders, and supporting fee-earner advisers.
Is this FCA and UK GDPR compliant?+
Yes. Every campaign we build follows UK GDPR and FCA rules. Marketing messages avoid prescriptive advice, fact-find requests capture appropriate consents, and all client communications carry compliant footers and unsubscribe options. Your network or principal firm can review the templates before they go live.
What if I already use Iress, Twenty7Tec, Smartr365, or similar?+
Citrus runs alongside Iress, Twenty7Tec, Smartr365, Acre, MortgageBrain, and most major UK mortgage broker CRMs and sourcing tools. We handle the client-facing communication, enquiry capture, and document chasing side; your sourcing and case management tools keep doing what they do. The two complement each other.
How does the document chasing actually work?+
Once a client signs the fact-find, the system fires a sequence: ID upload request, 3 months' payslips (or SA302 if self-employed), 3 months' bank statements, proof of deposit, ID for any joint applicant. Each request comes with friendly reminders that escalate sensibly. Most brokers cut document collection time from 2 weeks to 3-4 days.
Am I locked into a contract?+
No. All plans — Orange, Lemon, and Lime — are rolling monthly. Cancel any time with 30 days' notice. We earn your business every month, not on day one.
How does the remortgage recall system work?+
When you complete a mortgage, the client gets tagged with their product end date. Six months before that date, a friendly recall sequence begins — market update, "your fix ends in 6 months, let's start looking", a fact-find refresh. The aim is to land before any comparison-site email does. Most brokers retain 25-40% more of their existing book this way.
Does this work for AR brokers, DA firms, and protection-led brokers?+
Yes — Citrus is built for any UK mortgage intermediary: appointed representatives, directly authorised firms, sole brokers, network firms, and protection-led brokerages. The system adapts to your network compliance requirements and case mix.
Is it really worth £399/month?+
A single recovered application typically covers 2-3 months of Lemon. With average UK mortgage proc fees and advice fees at £2,400+ per case, most brokers recoup their fees from one recovered case within the first month. The document chasing time savings alone often pay for the plan.
BOOKING / FREE AUDIT

Pick a slot that works for you.

Choose any open time below. Instant confirmation, calendar invite, and call link sent straight to your phone.

// 30 MIN / NO PITCH

A straight 30-minute conversation. No fluff.

01
Where you're losing cases. We'll work out exactly how many enquiries, stalled applications, and drifted remortgages are costing your brokerage right now.
02
What's already working. We don't touch what's working. We just plug what's leaking.
03
If Citrus is the right fit. And if so, which plan — Orange, Lemon, or Lime — makes sense for where you're at.
// HAVE READY
  • Rough number of monthly enquiries
  • Your website or Google listing
  • What's frustrating you most right now
// NOT A SALES CALL
  • No hard pitch
  • No 60-minute slide deck
  • No waste of your time