The original designs were illustration lead, but unfortunately using a visual style that did not match the rebrand. Also, since their initial creation, the overall application had grown and was quite a lengthy undertaking for users meaning that taking a more functional approach was more appropriate at this stage in the journey. Instead of focusing on visualising the data, I looked at ways to prioritise playing back important figures to users.

Whereas loan-to-value calculations are fairly simple for typical mortgages, the introduction of schemes such as shared ownership and right to buy meant additional data items had to be taken into account. With six schemes in total, each required a bespoke design. The first iteration of these aimed to remain as faithful to the existing layout. For schemes like right to buy where customers could have additional borrowing and a deposit, they were directed to a new page to provide details of these.

An issue was identified with certain schemes where the deposit type affected the LTV calculation and our initial response was to work out how to identify this in the flow. However, this became quite convoluted and put users at risk of encountering a policy error if the new calculation did not match our lending criteria.

Taking the calculation flow back to basics, meant creating a pattern where customers could progressively add individual deposit amounts or additional borrowing figure so the calculation displayed to them at the bottom would be correct and not need recalculating.  This new flow also reduced the number of calculation errors users encounter by doing the maths for them. This also coincided with a design system update, giving the opportunity to review the card design and make the playback details more in keeping with wider flow within mortgage pathways.