Partner overview

What UTB gains from the Shared Effort partnership

Deposits

Held with UTB
£4.18M
Total deposits held
7,800
Active savers
Dec
Jan
Feb
Mar
Apr
May

A channel of engaged, habitual savers parking funds in UTB accounts.

Repayment-behaviour data

Underwriting signal
98.6%
Average on-time contribution rate
62%
Thin-file but proven savers

Longitudinal, on-time payment records that strengthen underwriting — most valuable for the thin-file, underserved segment UTB targets.

Origination funnel

Saver → mortgage
Actively saving7,800100%
Deposit-ready1,15014.7%

1,150 pre-qualified mortgage leads

Mortgage applied5406.9%
Completed3104%

First-time buyers who've just proven months of on-time saving.