Property SpineConnected property intelligence
RoundtableLendingProposed

AI-assisted underwriting. Humans in control

Proposed. Tuesday 8 December 2026, 13.00 to 16.00Manchester. Proposed city. Venue to be confirmed.Chair. David Titterton, Crosstide

Purpose

Test where AI can assist evidence review across residential and buy-to-let lending and where accountable human or specialist judgement must take over.

Audience

Senior commercial, technology and operations leaders in banks, building societies and specialist mortgage lenders, with broker and valuation specialists contributing to the chosen pathway.

Output

Intended output. A task, review and escalation map tested against residential and BTL scenarios.

Roles in the room

  • Chair. Chair from Crosstide. Neutral, holds the frame and keeps the room to time.
  • Rapporteur. Rapporteur from Crosstide. Captures the joint statement in near real time.
  • Discussants. Two subject experts, invited from the room, briefed a week ahead.
  • Observers. Observer seats reserved for a policy or regulator representative where relevant.

Guardrails

  • Chatham House by default, quoted attribution only with explicit consent.
  • No pricing, exclusivity or bilateral commercial conversation in the room.
  • Regulator and policy observers welcome, never named without consent.
  • Crosstide is the neutral convener. The spine is provider neutral.

Linked reading

The paper behind this session

White paper 11

Trusted speed. A faster route to mortgage offer

A lender-led discussion on earlier evidence, less rework and accountable residential and buy-to-let assessment.

White paper 13. Lending

Accountable automation. The next mortgage operating model

White paper 01. Lending

The property is the risk. Underwriting buy to let on a governed record