The report, drafted around the reasoning
The suitability report is where you evidence that the recommendation is right for the client. NeedsIQ Mortgage drafts it with affordability, term rationale, rate-type reasoning and any debt-consolidation trade-offs already in place, so you review and tailor rather than start from a blank page.
Every mortgage client is a protection conversation
Where a protection need shows up, NeedsIQ cross-sells in one click: the same fact-find flows straight into a Demands & Needs draft. Two compliant files from one client conversation, both for your review and sign-off.
What you get
- An MCOB suitability report drafted from the fact-find, with the reasoning for lender, product, rate type and term.
- A structured debt-consolidation rationale and a term-into-retirement prompt.
- An optional client pre-appointment questionnaire by secure link, so the client notes the basics and you review, verify and merge them.
- One-click protection cross-sell into a Demands & Needs draft, including joint-life cover for a couple.
- A document vault on the case for quote comparisons, ID and AML, illustrations and the offer.
- Secure delivery of the signed-off report to the client, with a read-and-acknowledged trail on file.
- A file pre-check and a clean, editable submission pack.
NeedsIQ produces draft documents for a qualified adviser to review, amend and sign off. It does not source products, recommend a lender or insurer, or give regulated advice. The FCA-authorised adviser chooses the recommendation and remains responsible for the file.
Frequently asked questions
Does NeedsIQ source mortgages?
No. NeedsIQ does not source products or recommend a lender. It drafts the suitability report from the fact-find and your chosen recommendation, for you to review and sign off.
How does the protection cross-sell work?
When a protection need is identified on a mortgage case, one click starts a Demands & Needs draft that reuses the mortgage fact-find, so you do not re-key the client's details. Where you are advising a couple, you can run them as a single joint-life case.
Can the client complete a questionnaire before their appointment, and receive the report by link?
Yes, if you turn the optional pre-appointment questionnaire on. It gathers the factual basics only, so the client never sees or picks a recommendation. You review, verify and merge their answers, and can deliver the signed-off report back to them by secure link with a read-and-acknowledged trail on file. You give the advice and sign off everything.
Can I try it before subscribing?
Yes. See a sample drafted from a fictional case with no card, then run one free on your own fact-find.