Skip to main content

MIR magic link

The post-submission stage of the loan lifecycle. After an application is lodged, the lender's assessors often need more information before they can decide. Slate is intended to return a magic link on the submission response, so the broker can open the application directly and act on those requests without a separate login.

🏗️ Under construction

The magic link is a target capability and is not built yet. The submission response field, the passwordless mechanism, the link's lifetime, whether it is single-use, and the exact surface it opens are not yet finalised. This page describes the intended behaviour; confirm the details with your Slate integration manager before relying on it.

More Information Required (MIR)​

During assessment, a credit assessor checks the application section by section: income, eligibility, expenses, assets. When something is missing or unclear, they raise a More Information Required (MIR) request. Most applications need at least one round of follow-up before a decision.

Today these requests reach the broker by email. The magic link is intended to replace that with a direct, in-context surface: the broker opens the application and provides what was asked for where the lender raised it.

The submission response is intended to carry a magicLinkUrl: a passwordless URL that opens the lodged application directly in the lender's portal, in that application's context. Direct opening from your broker tool means it is built to be followed straight from your system, without the broker re-authenticating.

The intended uses:

  • Confirmation and consent. The phase-one alternative to a separate broker consent step (see the consent note on Submission). The broker confirms and consents through the link rather than a modal.
  • Responding to MIRs. When the lender needs more information, the broker opens the link and supplies the missing documents or clarifications against the application.
  • Reviewing status. The broker can see where the application sits; the lifecycle events themselves arrive over the back-channel (see Status updates).

How it works​

  1. You lodge the application (Submission).
  2. The submission response returns magicLinkUrl alongside the submissionUid.
  3. You surface the link to the broker, for example as the confirmation step after submit.
  4. Opening the link drops the broker into the application without a separate login.
  5. When an MIR is raised, the broker returns to the application through the link to resolve it.

The passwordless mechanism, the link's lifetime, and whether each link is single-use are not yet defined. See the caution above.

  • Submission: where the magic link is returned.
  • Status updates: lifecycle events, including those that signal more information is needed.
  • Resubmission: correcting the lodged application.