Banks such as Santander and NatWest and online brokers including Habito and Trussle are making strides in bringing what has been hitherto a largely face-to-face or phone-based interaction to the screen. Others are working hard to offer customers more online options. But there are reasons to be cautious about the potential for unforeseen consequences in the headlong rush to a fully digitised mortgage process. Some advantages are clear. Instead of having to arrive at a bank branch armed with the correct paperwork at the appointed hour — have you remembered everything? — aspiring borrowers can now upload images of their documentation (scanning it, or even photographing it with a smartphone) and answer ahead of time the string of basic questions about income, expenditure and personal circumstances that feed into a decision.

https://www.ft.com/content/af1c1b26-b013-11e7-beba-5521c713abf4