Prior the pandemic, you could ask a dozen people what "the future of work" meant and get 13 different answers. Some insisted it was about distributing discrete responsibilities among two-pizza teams, while others preached about robots eliminating jobs and the need for universal basic income as compensation. Then COVID-19 pressed the fast-forward button, and we learned about the immediate, practical future of work in a hurry. The most obvious lesson – you don't need to be at the office to get stuff done – was already understood in tech, just never proven at scale. We're only starting to grasp the implications of that real-world confirmation.

Able to provide tailored mortgage advice and recommendations to mortgage applicants in the convenience of their own homes, this proof of concept is one of a raft of new ideas and innovations looking to transform the mortgage market.