Twenty7tec launches Steppl to bridge adviser-client digital gap

Twenty7tec, a UK provider of mortgage and wealth technology, has launched Steppl, a configurable client engagement portal designed to unify the digital relationship between financial advisers and their clients. The platform sits at the junction of proptech workflow, financial advice compliance, and digital identity verification, a modest but telling signal of how legacy advisory processes are being re-engineered one friction point at a time.

The company says Steppl gives clients a single destination to track the status of their engagement with an adviser, complete tasks, share documents, and receive updates, removing the disjointed back-and-forth that currently characterises much of the mortgage and wealth advice process.

The problem Steppl is solving

The launch is timed to research from the Open Property Data Association, which found that 62.3% of homebuyers report being asked to supply the same information or documents more than once, 40.6% cite inter-stakeholder communication as the most difficult part of the homebuying process, and 39.5% say chasing for updates actively worsens their experience. These are not marginal complaints; they represent structural friction embedded in the advice process itself.

James Tucker, CEO of Twenty7tec, framed the product around preserving rather than replacing the adviser relationship: "The aim isn't to digitise the adviser out of the process. It's the opposite. If technology can take care of more of the collecting, chasing and administration, advisers have more time for the conversations where their expertise matters."

Steppl allows firms to configure their own client journeys, including onboarding stages, fact-finds, and task sequences, around existing workflows rather than requiring firms to adapt to a new operating model. Optional add-ons, licensed separately, include credit data retrieval, digital identity and liveness verification, and document scanning. The platform is designed to feed captured client data directly into Twenty7tec's wider ecosystem, which encompasses its ADVICE and RESEARCH tools, reducing the duplicate-data problem that plagues multi-system advisory operations.

The wider convergence context

Taken individually, Steppl reads as a fintech workflow product. Placed in the context of the broader digitisation of the advice sector, it illustrates a more significant shift: the steady consolidation of previously fragmented compliance, identity, and client-management functions into unified platforms, a pattern visible across sectors from insurance to wealth management to healthcare administration.

The UK mortgage market is a particularly acute test case. The homebuying process involves multiple regulated parties, including advisers, lenders, conveyancers, and surveyors, each with their own data requirements and communication cadences. Platforms that can sit at the centre of this network and reduce information duplication have an obvious commercial case, but they also raise a structural question: as client engagement, sourcing, compliance, and reporting converge on single vendor ecosystems, the switching costs for advice firms rise sharply. That concentration dynamic is attracting both strategic investment and regulatory scrutiny across European financial services markets.

For investors tracking the UK proptech and wealthtech space, the Steppl launch reflects a broader product maturation trend: moving beyond point solutions (a mortgage sourcing tool here, an identity verification module there) toward platform strategies that capture the full client lifecycle. Twenty7tec's explicit framing of Steppl as infrastructure for "ongoing servicing" beyond the initial transaction suggests the company is positioning for recurring revenue from retained adviser-client relationships rather than transactional software licensing alone. That recurring-engagement model is precisely what acquirers in the financial services software space have paid premium multiples for in recent consolidation cycles.

The platform is available now; firms can register interest via the Twenty7tec website.