The Intermediary – August 2026 - Flipbook - Page 94
T E C H N O L O GY
Opinion
Vibe coding for
mortgage brokers
E
very broker has hit
the same wall at some
point. A process that
should take 10 minutes
ends up eating an entire
aernoon, and there is
no tool on the market built to fix it.
Think about how many of those
fixes get talked about at the office, get
a nod and a laugh, and then quietly
disappear because nobody has the
time, the budget or the technical
know-how to build them.
That backlog of good ideas has been
piling up for years, mostly ignored.
Vibe coding is what finally clears
it, because turning one of those ideas
into a working tool no longer needs a
developer, a budget sign-off or a sixweek wait. It just needs you to describe
the problem properly. The mechanics
are refreshingly simple. You explain,
in plain English, what the tool needs
to do and why, and an artificial
intelligence (AI) assistant turns that
description into working soware
You refine it the same way you’d
brief a colleague: by talking it through
until it does what you meant.
Why this suits brokers
A soware team can build almost
anything you ask for, but they
have never sat across from a client
explaining why a lender suddenly
Vibe coding puts the
building blocks directly
into the hands of the
person who understands
the workflow. You do not
need to learn code [...] a
working solution can exist
within a single sitting”
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The Intermediary | August 2026
wants three more months of bank
statements. That distance between
technical skill and frontline
experience is exactly where good ideas
used to stall.
Vibe coding puts the building blocks
directly into the hands of the person
who understands the workflow. You
do not need to learn to code. You
only need to describe the breakdown
clearly, and a working solution can
exist within a single siing.
IFTHIKAR MOHAMED
is co-founder of WIS Mortgages
Day-to-day
Picture a 15-minute task that repeats
every single day, or a workaround
the whole team quietly puts up with
because raising it never felt worth the
hassle. Those small cracks are what
vibe coding is built for, not the case
management system that already runs
the business perfectly well.
Some realistic examples: a simple
alert flagging clients whose fixed rate
is approaching its end, so nobody slips
through and remortgages elsewhere.
An internal log tracking which pieces
of paperwork are still outstanding on
a case, replacing the mental checklist
or the scaered email chain. A onepage view showing how long cases are
siing at each stage of the pipeline,
making bolenecks visible before they
turn into a backlog.
None of these need to be polished
products. They need to work well
enough to save the time they were
built to save.
This is where I want to be direct.
Convenience is not the same as
compliance, and a smooth-looking
tool can be misleading.
An AI-built prototype can look
entirely professional within minutes.
That is exactly the danger. A clean
interface does not mean the data
behind it is secure, or that the tool
meets the standards our industry is
required to meet.
The real risk with vibe coding is
not that it fails. It is that it succeeds
convincingly enough to tempt people
into skipping the safeguards that
should never be skipped. A tool that
looks finished is not the same as a
tool that has been tested, secured,
and signed off.
A simple test
Before building anything, ask one
question: does this tool ever need to
touch real client data, or influence a
regulated decision?
If the answer is no, and it is purely
an internal, low-risk workflow aid,
it is fair game to experiment with. If
the answer is yes, it needs to go to a
professional, full stop.
Applying that one filter consistently
is enough to capture almost all
the benefit of vibe coding, while
keeping the parts of our business
that genuinely cannot afford to get it
wrong exactly where they belong: in
expert hands.
The bigger picture
Vibe coding will not turn brokers into
soware engineers, and it does not
need to. What it does is remove the
distance between spoing a problem
and testing a fix.
The firms that experiment with
this sensibly today, respecting where
the line sits, will be the ones seing
the standard for how the rest of the
industry uses it tomorrow. ●
