Business & Technology
OMS adds Curvestone AI compliance checks for mortgages
One Mortgage System has integrated Curvestone AI’s compliance checking into its mortgage case workflow. The feature is already live with TMG Mortgage Network and Connect for Intermediaries.
The integration adds automated checks to cases submitted through the OMS platform, used by mortgage intermediaries and lenders in the UK. Submitted files are reviewed for completeness, consistency and compliance, with issues such as missing documents, data mismatches, suitability gaps and regulatory exceptions flagged within the existing OMS interface.
This allows compliance teams to assess every submitted case rather than rely on sample-based file reviews. The system examines documents including fact finds, income evidence, bank statements, identification, suitability letters and other supporting paperwork against a firm’s compliance checklist.
The process does not require brokers to change how they submit cases or learn a separate system. Each check also generates an audit trail showing what was reviewed, what was found and the basis for each finding.
Curvestone said it developed the compliance checking technology through engagement with the Financial Conduct Authority’s Innovation programme. That work helped shape explainability and audit requirements for AI-assisted compliance decisions.
For OMS, the move adds another function to a platform that already handles customer relationship management and loan origination. The business has more than 3,200 broker subscribers and has built lender origination systems for nine lenders, while lending transacted by users of the platform averaged GBP £1.7 billion a month in the second half of 2025.
Neal Jannels, managing director of OMS, said the integration fits the company’s focus on cutting administration in the mortgage submission process.
“Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case,” said Neal Jannels, Managing Director of OMS. “This integration adds a new layer to that. Compliance should support brokers, not slow them down – and by embedding Curvestone’s capability directly into the OMS case journey, every submitted case gets reviewed to a consistent standard, with issues flagged to the case checker immediately.”
Early users
TMG Mortgage Network and Connect for Intermediaries are the first named users of the new workflow. TMG has more than 300 advisers, while Connect for Intermediaries has more than 350 advisers and access to more than 200 lenders.
The rollout indicates the target market for the integration: mortgage networks and intermediary firms handling large volumes of case files and compliance reviews. In those businesses, file checking can be labour-intensive, particularly when teams review only a sample of submissions because of time and staffing constraints.
Dawid Kotur, Chief Executive Officer and Co-Founder of Curvestone AI, said the traditional balance between full oversight and cost had become difficult for firms to sustain.
“The mortgage industry has accepted a trade-off in compliance oversight that shouldn’t exist: review everything even as your adviser base grows, and go broke, or sample-check and hope for the best,” said Dawid Kotur, Chief Executive Officer and Co-founder of Curvestone AI. “This integration makes it possible for every submitted case to be reviewed to a consistent standard, with issues being surfaced immediately. It’s 100% coverage without adding headcount, and outputs explainable enough to satisfy a regulator. It doesn’t replace human judgement but it ensures human judgement is applied where it matters most.”
At TMG, the system has been introduced as part of a broader investment in technology and operational support. The network said the aim is to use automation to free up staff time for training and adviser development rather than replace employees.
“TMG is investing heavily in the infrastructure, technology and people needed to become the leading mortgage network in the UK. We are going all in on AI, not to replace people, but to free up resource so we can invest even more time into training, development and helping our members grow. Our ambition is clear: to give advisers the best tools, the strongest support and the best platform in the market to build bigger, more profitable businesses. This is the start of a long-term AI partnership with Curvestone and another clear statement that TMG is here to lead and here to make a mark,” said Scott Thorpe, Founder and Chief Executive Officer of TMG Mortgage Network.
Review times
Connect for Intermediaries said the new process is already reducing review times. Work that would usually take between two and three hours for a file review can now be compressed into minutes, allowing compliance staff to focus on feedback and coaching.
That matters in a market where firms are under pressure to maintain oversight standards across growing adviser bases. Consumer Duty and wider conduct expectations have pushed mortgage businesses to show not only that checks are in place but also that decisions and interventions can be evidenced.
Liz Syms, Chief Executive Officer of Connect for Intermediaries, said the system was designed to support that approach.
“At Connect, we’ve always believed that technology should strengthen compliance standards, not just add process. Working with Curvestone, we are starting to see the system compress what has traditionally been a two-to-three-hour file review into minutes. That ultimately frees our file reviewers to concentrate on higher-skilled work such as the feedback and coaching that genuinely raises adviser standards. It means better oversight across a larger volume of cases, which is better for our advisers, our compliance team and ultimately our clients,” said Liz Syms, Chief Executive Officer of Connect for Intermediaries.
The integration is due to be made available across the wider OMS client base, with tailored compliance checklists for larger firms and a standard setup for smaller businesses.
The ongoing conflict in the Middle East between the US, Israel, and Iran has resulted in a recent spike in fuel prices.
Many airlines have felt the effects, and now Hertfordshire-based Ascend Airways has reportedly entered liquidation.
The UK company offered aircraft for other airline carriers, such as Tui Airways, Oman Air and Air Sierra Leone and operated at Southend Airport and Gatwick Airport.
UK airline Ascend Airways goes into liquidation
Ascend Airways is set to return its fleet of Boeing 737 Max 8s to lessors and surrender its air operator’s certificate (AOC), Flight Global reports.
The company was originally founded as Synergy Aviation as a small charter and management firm.
It was acquired by Avia Solutions Group in 2023 to serve as its primary UK-based operator.
It obtained its UK AOC two years ago and has been operating an all-737 Max 8 fleet.
Its inaugural commercial flight took place in April 2024, operating from London Southend Airport.
The ongoing Middle East conflict and the rise in fuel prices have resulted in a “challenging outlook” for the summer season, the carrier told Flight Global.
It said: “These external pressures have compounded the structural challenges of operating a UK AOC within the European [wet-lease] market.
“A lack of reciprocal wet-leasing rights for UK carriers, combined with a higher cost base, has made the UK certificate a more expensive and less agile option compared to EU AOCs.”
The airline describes its surrender of the AOC as “strategic” but said that it has met contractual obligations through the winter, or exited agreements in an “orderly” manner, and it is supporting employees ahead of its AOC return.
“By working closely with stakeholders, a managed wind-down of operations has been achieved to minimise disruption to customers, consumers and aircraft lessors,” it adds.
However, reports also suggest that the company has gone into liquidation, according to The Sun.
An insider said: “It’s gone bust today (April 28), we got the news this afternoon.
“We’ve all been given the letters that it’s all going into liquidation.”
They added: “It’s to do with the economy, we couldn’t get contracts, the UK is a lot more expensive than Europe.
“The fuel situation had a massive effect on it as well.”
Ascend Airways and Avia Solutions Group have been contacted for comment by Newsquest.
Several major airlines have already responded to this rise in fuel prices due to the conflict in the Middle East.
This has been done by increasing fares, adding or increasing fuel surcharges, and cutting flights.
UK airline Skybus announced previously that it had ceased all flights between Cornwall and London due to “the huge rise in the global cost of fuel” and “a significant drop in new passenger bookings”.
Ryanair CEO Michael O’Leary has also warned Brits to book their summer holidays “as quickly as you can” to avoid rising costs.
Airlines that have entered liquidation or administration in 2026 (so far)
Several airlines entered liquidation in 2025, according to the UK Civil Aviation Authority , including:
- Blue Islands Limited (UK) – November
- Air Kilroe Limited t/a Eastern Airways (UK) – November
- Play Airlines (Iceland) – September
Three airlines have entered administration or liquidation in 2026 (so far), resulting in the cancellation of more than 4,000 flights:
Airlines are not the only travel businesses affected, with four UK travel companies having also ceased trading in 2026, resulting in the cancellation of flights and holiday packages to destinations around the world.
The four UK travel companies that have closed down in 2026 (so far) are:
- Regen Central Ltd
- Gold Crest Holidays
- Asiara UK Ltd
- Simply Florida Travel Ltd
All four have ceased trading, according to Companies House, and have lost their Air Travel Organiser’s Licence (ATOL).
Have you been impacted by any flight cancellations or airfare price hikes caused by increased fuel prices? Let us know in the comments below.
TomTom has chosen HowNow to support its move to a skills-based organisation, with the partnership centred on TomTom Academy, an internal learning platform for its workforce.
TomTom Academy launched in December 2024, with its full skills functionality rolled out in July 2025. The platform is intended to link employee development to changing business requirements as part of a two-year people strategy.
Based in the Netherlands, TomTom provides geolocation technology, including maps, real-time traffic information and navigation services, to carmakers, businesses and governments. The group employs more than 3,300 people worldwide.
A key factor in selecting HowNow was its AI-based skills-mapping technology, which is designed to give TomTom a current view of workforce skills and gaps while directing employees to relevant learning opportunities.
The partnership also reflects TomTom’s effort to reshape learning across the business by giving employees skills-led development paths aligned with shifts in customer demand and market conditions.
Other factors behind the decision included product alignment, integration with other systems and ease of use. The partnership also fits TomTom’s wider internal approach to work and employee development.
One early aim has been to widen access to content creation inside the company. Employees in different markets can now create learning materials for colleagues, broadening the flow of knowledge across the business.
For HowNow, TomTom joins its list of technology sector customers. For TomTom, the project forms part of a broader effort to organise learning around business needs rather than fixed roles.
Aneta Milosierna-Santos, People Product Lead at TomTom, said, “[HowNow’s] AI skills mapping functionality was a big selling point for us, as was the strong sense of partnership we felt during those initial conversations. Like TomTom, HowNow is an agile, fast-growth company…because of that, we could see their potential to evolve with us, and that really resonated.”
Milosierna-Santos also highlighted the platform’s effect on internal knowledge sharing: “In just a few short months, HowNow has enabled us to democratise learning. Any one of our employees, in any of our geographic markets, can now become an internal content creator. This is already multiplying knowledge across and between our employees at speed – and in a way that is quick and easy for them.”
TomTom’s Chief Human Resources Officer, Arne‐Christian van der Tang, linked the project to the company’s broader workforce model: “At TomTom, our people strategy is built around what we call the now of work – creating the conditions for our teams to have impact today. Academy gives us real-time visibility into skills across our organisation and enables our people to learn, grow and deliver value with agility. In a world where the pace of change is relentless, this partnership helps us stay responsive, flexible and focused on empowering TomTom’ers to do their best work, every day.”
Nelson Sivalingam, co-founder and chief executive of HowNow, described TomTom as a business moving towards a different organisational model: “TomTom is a progressive organisation that continues to create world-class products and services. By becoming a skills-based organisation, the company has demonstrated a strong commitment to its people and future success – and we’re delighted to be supporting TomTom on that journey.”
After Old Windsor Logistics said it will no longer deliver parcels in Abingdon or Oxford on Wednesday, April 15, parcel delivery firm Evri has said service in the area is operating as normal.
In addition, the major business said it had been in touch with the more than 25 on-site drivers from Old Windsor Logistics who lost their jobs this month.
READ MORE: Evri statement as UK delivery firm contractor shuts with drivers fired
They have offered work to them and the chance to become Evri community couriers with a large proportion reportedly accepting the offer.
Old Windsor Logistics, which has its Oxford base at the Horspath Trading Estate in Cowley, had delivered parcels for Evri for seven years.
Announcing the end of the partnership, the owner of Old Windsor Daniel Sheehy said it was because his drivers were no longer earning enough money to maintain a living.
He said their rate per package delivery had been systematically cut since 2019.
“We cannot do it any longer,” the 35-year-old said.
He added: “Over the last two years they have systematically reduced and reduced the rate, and over the last three months they have dropped it even lower.
“I have said to them we need an injection to secure the business so I can pay the VAT and pay the drivers’ wages.
“We need a better rate so we can survive as a business.”
A spokesperson for Evri said they routinely review arrangements with their partners and are committed to working with them and supporting them in their service.
On April 15, the spokesperson added: “We routinely review our delivery model and third party relationships to offer continued service improvements and the best delivery choices for our customers.”
However, Mr Sheehy claimed there had not been proper dialogue with the major Leeds-based delivery company since he first raised the issue last October.
He said: “It’s ridiculous. We do not want to ruin service for anyone. It’s just we are at a point where we cannot physically pay the drivers and carry on.”
The owner of Old Windsor Logistics added that the rate gets even lower when fines for their service are taken into account.
READ MORE: Evri parcel delivery disruption after Oxford firm collapses
Over the Christmas period these apparently totalled £7,600 and he said the system for allocating them was unfair, particularly for fines relating to picture proof for delivery.
The spokesperson for Evri added: “Independent data has recognised us as having the highest on-time delivery rate of all carriers and our dedicated community couriers are at the heart of our business.
“As we continue to grow, we continue to welcome new community couriers who our customers tell us provide a high standard of service.
“Keen applicants can express their interest on our website.”
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