Apply to participate by Sunday 2, November 2025
We have a limited number of places available for the Sprint, we will let you know the outcome of your application shortly after the deadline has closed. Observer applications will remain open until closer to the Showcase Day.
Join us for the Mortgages Open Finance TechSprint running from Monday 17 November 2025 to Thursday 12 February 2026. Hosted by FCA Innovation's Smart Data Accelerator, the 3-month TechSprint is designed to leverage data sharing to make improvements to the Mortgage market and support the future regulatory framework for open finance. Participants will be able to develop and test their solutions employing high-quality cross-sector synthetic datasets.
The launch event (kick-off – bootcamp briefing) will be held online via MS Teams on Monday 17 November 2025. The TechSprint will culminate in a Showcase - Demo-day at our the FCA offices, 12 Endeavour Square, London, E20 1JN. Applications close - 2 November 2025.
The aim of the Mortgages TechSprint is to explore and test how open finance and smart data can enhance the mortgage journey by developing practical solutions that improve access, affordability, and consumer understanding, while informing the FCA’s regulatory approach and supporting broader Smart Data Accelerator initiatives.
To learn more, see our Mortgages Open Finance Sprint Participants Pack.
Why take part?
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Influence how open finance and smart data can improve consumer access to mortgage products.
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Engage directly with the FCA and other participants in an experimental, open, collaborative setting.
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Test and develop practical solutions to simplify and personalise mortgage and remortgage processes.
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Work on real problem statements, including enabling better overpayments, personalised affordability checks, and seamless switching journeys.
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Collaborate with the FCA, a diverse mix of participants, including mortgage lenders, brokers, FinTechs, consumer groups, researchers, and advisers.
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Showcase solutions at the in-person FCA event in London.
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Use FCA-provided datasets and a secure innovation platform to test ideas in a realistic environment.
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Contribute to the Smart Data Accelerator and the UK’s ambition to accelerate open finance and improve financial services.
Problem Statements and Guidance
There are two problem statements. Firms can choose one to work on over the course of the TechSprint.
PS 1 - Enabling simplified and personalised mortgage and remortgage processes through open finance data sharing
To streamline the mortgage and remortgage journey through open finance data, enabling more personalised, timely, and better outcomes for consumers.
PS 2 - Leveraging open finance data to facilitate overpayments for reduced long-term debt
To empower consumers to have a better understanding of their financial position to make timely informed decisions about whether to overpay their mortgage by leveraging open finance data sharing.
Save the Date
Please save these dates, we will let you know the status of your application shortly after the submission deadline.
