One Mortgage System (OMS) has completed a "major" application programming interface (API) upgrade with Pepper Money.

The upgrade to the integration, which was launched in June 2022, will enable users to submit full mortgage applications across the specialist lender’s second charge product range.

The two-way API integration is designed to improve efficiency, supporting intermediaries by simplifying the advice process, speeding up application sourcing and creating a "smoother" journey from decision in principle (DIP) to full mortgage application.

OMS said the announcement is the latest in a number of strategic tech partnerships between the end-to-end mortgage platform and lenders across the specialist and mainstream mortgage markets.

Second charge sales director at Pepper Money, Ryan McGrath, said: "We’ve already made significant changes over the last year and we’re now super excited to see this latest enhancement go live. By evolving the API integration with OMS, we’ve further simplified the end-to-end application process and removed the need for OMS broker users to rekey data to our systems.

"The second charge market is growing rapidly, and technology will certainly play a part in this continued growth by supporting lenders like Pepper and our broker partners in continuing to meet the high standards of service that we’ve set ourselves. We’re confident that brokers and their customers will continue to experience rapid turnarounds with funding times of as little as a few hours."

Managing director at OMS, Neal Jannels, added: "Significant growth is taking place across the second charge sector as it continues to meet a broader range of borrowing needs. Technological advancements have been key to this evolution, and this API upgrade serves to highlight this progress.

"We are confident that this integration will further enhance Pepper Money’s second charge business, providing a more efficient and streamlined end-to-end application process by providing greater efficiency for its intermediary partners."

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