AI Agents for Brokers

Most brokers are under mounting pressure: client needs are growing, while compliance requirements only seem to tighten. The balance often tips into evenings filled with paperwork and missed opportunities. 

With AI agents sitting behind the scenes, menial tasks like reminders, updates and checks can continue unimpeded while you’re able to concentrate on the bigger picture (or much-needed rest). 

What exactly is an AI agent? 

An AI agent is software that can complete tasks on your behalf. You simply set the goal or trigger, and it carries on the task without constant input. 

That makes it different from existing tools you may already know. Unlike a chatbot, which only replies when you ask it something, or a simple automation that fires off a single rule-based action, an AI agent can handle a full sequence. 

For example, if a client uploads payslips, it could check they’re complete, send confirmation and flag any missing pages - all without your input. 

What an AI agent can’t do

There are limits to what an AI agent can do - anything that requires judgement, empathy or negotiation.  They also need clear instructions and regular oversight to stay on track. Used well, though, they act as reliable background support, taking care of tasks that don’t need a human touch. 

Where brokers could see value

The clearest benefits show up in day-to-day admin tasks:

• Gathering information - pulling together rates, client records or quick reports
• Keeping clients updated - sending reminders, nudges or guides at the right time, or sending tailored resources like  a guide to surveys for first-time buyers or refinancing info for homeowners.
• Managing timelines - tracking key dates and prompting when deadlines are near
• Reviewing paperwork - checking forms for gaps, errors or missing details
• Stay on top of regulations - AI agents can watch FCA updates or lender policy changes, summarise what’s new, and draft quick action points. 
  
  

How to get started

The best approach is to start small:

1. Pick one task. Choose something repetitive, like chasing documents.
2. Check your systems. Agents work best when connected to your CRM or email platform.
3. Write a recipe. Example: “When payslips are uploaded → check completeness → send confirmation or request missing months.”
4. Test on a small scale. Run it with a few clients first.
5. Refine and expand. Adjust instructions and build gradually.

Things to avoid

AI agents are only any good if they’re used properly. Skip the checks and mistakes can slip through, so every output still needs reviewing before it’s seen by a client. Data privacy is also essential; any system you adopt needs to meet FCA and GDPR standards.

Adoption works best when it’s gradual. Bringing tools in slowly and showing your team the benefits step by step makes the change much easier.

There’s also a wider point being raised across financial services: over-reliance on AI can create new risks. Accuracy and accountability always remain with the broker.

Looking ahead

At the moment, most AI tools are built to tackle one task at a time. But in the future, the ability for several agents to work together, often connected directly into a CRM, will make administrative work even more streamlined.

AI agents aren’t built to do the work of a broker, and they can’t replace expertise, judgement and empathy. What they can do is take care of work in the background, chasing paperwork, sending reminders, checking forms, and keeping things ticking over without constant input. It leaves you with more time for clients, and fewer late nights spent catching up.

The best way forward is to start small and monitor closely. Treated as part of your existing toolkit, AI agents have the potential to offer steady support, while the human insight and trust clients rely on stays firmly in your hands.