OMS and Step One Finance extend integration with bespoke loan origination platform

06 October 2026

One Mortgage System (OMS) has strengthened its partnership with Step One Finance through the integration of a bespoke loan origination system, further cementing OMS’s growing role in the second charge lending space.

This development builds on an already successful API integration, which laid the foundation for a productive and ongoing collaboration between the two firms. Since then, OMS and Step One Finance have worked closely to design an origination platform tailored to the specific needs of the lender, its intermediary partners and the end customer.

Step One Finance has now fully adopted OMS Originations to support and streamline its mortgage application process. The system offers a more efficient and transparent experience for brokers and customers, while also helping to maintain the highest compliance and service standards.

Step One Finance was established in 2010. They are a specialist lender, providing flexible lending solutions tailored to a range of customer circumstances. Their approach is built around four core business principles - responsibility, transparency, fairness and simplicity.

OMS continues to extend its reach across the lending market, working with banks, building societies and specialist lenders to deliver integrated, end-to-end digital solutions.

Launched in April 2024, OMS Originations streamlines the whole end-to-end origination journey for both the intermediary and direct submission route to deliver unparalleled processing capability, while also ensuring all parties remain fully informed throughout the process. A customisable dashboard allows lenders to create efficient workflows to meet a variety of borrowing requirements without having to endure lengthy development times or additional costs.

OMS Originations also supports instant decisioning, product engine, bespoke underwriting processing plus second and third line audit functionality so that everything is in one place. In addition, the platform supports a range of complex products including semi-commercial, self-build, JBSP, buy-to-let, retirement interest-only, right to buy, holiday lets, mortgages for expats, limited company buy-to-let and commercial, amongst others.

Neal Jannels, Managing Director of One Mortgage System, commented:

“This integration is another example of how OMS continues to support specialist lenders with flexible, reliable technology that makes a tangible difference to their day-to-day operations. Step One Finance has a clear focus on improving the customer journey through smart investment in digital infrastructure, and we’re proud to play a key role in supporting this delivery.”

Agnieszka Jouille, Director of Operations & Strategy, Step One Finance said:

“Our investment in technology is focused on creating a simpler, more efficient customer journey while strengthening the controls that support responsible lending. Our partnership with OMS is an important part of delivering that ambition.”

Neil Molyneux, Director of Sales, Step One Finance added:

“For our brokers and partners, that means less administration, greater visibility and faster progress, complemented by the personal support and expertise that remain core to how we work at Step One.”