4orm Finance

Better financial decisions start with better relationships.

4orm helps you understand a financial decision before you make it, and helps the firm serving you keep the record of how it was made.

4orm Assist Here now
Personal If you are about to borrow, buy or invest

Understand it before you sign it.

Ask 4orm the questions you would rather not ask out loud. It checks who you are dealing with, tells you what to have ready, and stays with you through the whole decision.

Try it
Professional If you run or work at a firm

Show your work, without more work.

See which clients are waiting, which files are missing something, and keep the record of how each decision was reached. It builds itself as you go.

Try it
Why 4orm See what 4orm is, and why it exists. What is breaking in the gaps between people, firms and the systems between them, what the research says, and who is building this. See why 4orm exists
Pick a decision, then use the phone.
Understand it. Tap through it the way a client would.
9:414ORM
Sarah’s 4orm
Before a mortgage professional exists
What you are looking at

Monday morning, at a mortgage brokerage
with 148 live client files.

This is the reading the principal broker gets before anybody walks in. Not a report anyone had to assemble. It builds itself out of the conversations the firm is already having.

Which files are ready

Every stage of every file, and how much of the required record is present. Green means complete enough to reconstruct from the available record.

Which need a person today

Seven of the 148. An unanswered client question, a number that stopped matching, a change waiting to be acknowledged. Small things, caught early.

What it is worth

When a complaint or an examination arrives, the story is already assembled. That is the difference between an afternoon and six weeks.

Relationship integrity
148Active relationships
141On track
7Need attention
94%Questions resolved

Interactive demonstration · synthetic data

4orm Northbridge Mortgage Group
Daily reading · 24 Feb 2026 · 06:00

Evidence completeness, by stage

Share of files at each stage with every required record present. Hover a bar.
At or above targetBelow target

Material events captured

Fourteen days. An event is something that happened on a file.
11 Feb298 yesterday24 Feb
96%Identity verified
88%Income supported
73%Source of funds traced

Who to contact today

Click a client to open their file.

What is needed next

Ordered by how soon each stops being fixable. Click to resolve.

Red flags

Raised against a counterparty or a pattern. Nothing here is a finding: it is something published, or something that does not add up.
A lender on one file appears on a published warning list.Raised from a public register, with the date and the source attached.
Two files share a down payment source that traces to one account.Not an allegation. A pattern worth a question before either one closes.

The evidence pack

Everything a regulator, an insurer or a court would ask for, already assembled. Nothing is created for the pack: it is what was captured as the work happened. Click any row.
Oldest relationship 612 daysChain unbroken all 148 filesOldest file rebuilt 4.2 seconds