The pain point
Traditionally, advisers have had to manually select and fill in bank handover forms during the mortgage application process. This often means re-entering client details and application information that already exists in Trail, creating unnecessary duplication of work and increasing the chance of errors.
The solution
Our new AI-powered Bank Handover Forms feature removes this manual effort. The system automatically suggests the relevant forms for your client’s situation and pre-fills them with the data already captured in Trail, saving you time and helping ensure accuracy.
How it works – step by step
Start a mortgage application
Begin your application in Trail as usual. Complete all the required pages before proceeding to the new forms section.
Open the “Handover Forms” page
In the application menu, you’ll now see a new page called Handover Forms. Make sure you’ve completed the earlier steps of the application first, as this ensures the system has the right data to work with.Select or deselect forms
Keep the forms that apply to your client’s application.
Deselect any forms you feel are not relevant.
You can also add or remove forms as needed.
Download your handover forms
The system will automatically suggest the handover forms most relevant to your client’s circumstances. It will also look at the "target bank" you have selected in the Funding Details page and use that bank's handover forms (if applicable).Once ready, click Download.
All selected forms will download together in a .zip file.
If there is only one form, it will download in its original format (e.g., PDF or Word).
Check the pre-populated data
Trail does its best to complete the forms using all the data you already have in Trail, but it's always good to double check that the information pre-populated is correct.
You're done!
FAQ: What can’t the tool currently do?
Does not perform advanced inference - it only uses direct data without interpreting context.
Can only access information from the client’s statement of position; it cannot pull data from other sources, such as the timeline.
Does not fill in subjective or declaratory fields (e.g. “I, as the adviser, have done XXX”).
Generates only one copy of a form per application - per-borrower forms are not yet supported, but are planned for a future update.
🪄 Tips
Double-check the pre-filled data to confirm accuracy before sending forms to the bank.
Use the flexibility of select/deselect to tailor forms for each unique client case.
This feature works best when all client and application information is entered in Trail upfront.