For UK mortgage and protection advisers
One fact-find that changes with the answers a client gives, pre-fills itself from what’s already on file, and closes with a real e-signature.
Cancel any time · No setup fees · GDPR compliant
No question asks for something Cleera can already work out from what came before.
Name, date of birth, marital status, and National Insurance number, captured once and reused on every future case.
Address history and time at address, only asked again once it is likely to have changed.
Employed or self-employed changes the questions that follow: a salary field, or tax years and net profit.
Dependants, monthly financial commitments, and existing debts, in the household context Cleera already has.
The client reviews the compiled fact-find and signs it in the portal. No separate document to chase.
The first time a client works with an adviser on Cleera, their personal details, address history, employment, and financial commitments are captured through the fact-find. When they return for their remortgage two years later, that information is already on file. The fact-find is pre-filled from the client record, and sections where things may have changed, such as employment, address, or income, are presented for confirmation rather than completed from scratch.
Once the fact-find is complete, the client reviews and signs it in the same portal, with no printing, scanning, or separate email attachment.
Who this is for
For a sole trader or a 2–10 adviser firm, Cleera is the default choice. Appointed representatives use it alongside a network system, not instead of one.
Running cases on your own, still want an FCA-ready audit trail without the overhead of enterprise software.
A growing team that needs one shared pipeline, not five advisers working from different spreadsheets.
Cleera is a mortgage and protection CRM and platform for intermediaries that sits alongside your sourcing tool and network CRM. It is not a sourcing engine, and it does not replace them.
A digital fact-find, sometimes written fact find or factfind, is a structured online questionnaire that captures a client’s personal, employment, income, and financial details for a mortgage or protection case. On Cleera, a client completes it from their own device, and the questions adapt to their answers, so completing it takes minutes, not a phone call.
Yes. If a client selects self-employed, the income questions change to ask about tax years and net profit instead of a salary. Purchase and remortgage cases ask different property questions too.
It’s yours to shape, not a fixed template you’re stuck with. Add, remove, or reorder questions until it matches how your firm actually works. Anything you add gets the same conditional logic as the questions already built in, so your own questions adapt to what a client tells you too, not just Cleera’s.
Everything a client enters is saved to their client record. When they return for a future case, that information is already there, and only the sections that may have changed are asked again.
Yes. Once it is complete, the client reviews and signs the fact-find in the portal. The signed PDF, and a record of who signed it and when, is stored on the case automatically.
Every fact-find answer is timestamped and stored on the case record. Firms use that record, alongside the rest of the audit trail, for FCA record-keeping.
Yes. It captures personal details, address history, employment and income, dependants, and financial commitments in one place: a genuine 360 factfind that carries forward into every future case, not a one-off snapshot.
Digital fact-find for UK mortgage and protection advisers
Set up takes minutes. No credit card required to start.