Solutions / Workflows / Retentions & Contract Variations

Retentions and contract variations, on the same rails as new business.

Product transfers, contract variations, further advances, rate switches, and retention journeys.

Retentions and contract variations deserve the same modern journey as new business. Mast orchestrates product transfers, further advances, rate switches and contract variations on the same policy engine and audit trail as origination, and integrates cleanly with your servicing platform so borrowers see one continuous experience.

Where teams get stuck

The friction retentions & contract variations inherits.

  • Retention and contract variation journeys built as afterthoughts to new business

  • Parallel policy universes for origination and retention

  • Servicing data trapped away from the origination workflow

  • Manual outreach that misses the maturity window

Capabilities

What Mast brings to retentions & contract variations.

Product transfers, rate switches and contract variations

Digital journeys for existing borrowers moving between products or changing terms, with the same policy and pricing controls as new business.

Further advances and additional borrowing

Full or lightweight assessments depending on risk appetite, with clean handoffs into servicing.

Pre-emptive retention

Trigger outreach and eligible-offer journeys ahead of maturity, driven by servicing data.

Servicing integration

Read from and write back to your servicing stack with case history, decisions, and documents intact.

Shared policy with origination

One rulebook governs new business and retention decisions. No parallel policy universe to maintain.

Outcomes

What good looks like.

Higher retention

Right offer, right customer, right time, backed by servicing data.

Lower cost to retain

Digital-first journeys with humans only where they add value.

One audit trail

Same evidence quality on retention and variation decisions as on new business.

Journeys

Retentions & Contract Variations journeys on Mast.

Production journeys you can turn on today, configured to your policy and criteria. Run them in any combination, in whatever order your book and servicing stack require.

  • Product Transfer
  • Rate Switch
  • Further Advance
  • Transfer of Equity
  • Change of Term
  • Change of Repayment Method
  • Request for Payment Holiday
  • Permission to Let
Explore

All solutions

See how Mast maps to every team, workflow, and lending line.

Back to solutions
Talk to us

See Mast for Retentions & Contract Variations

Walk through your book with the team and see how Mast maps to it.

Get in touch