Mortgage CRM comparisons

Achos vs Smartr365

A useful Smartr365 alternative should fit the way your firm actually processes a mortgage. Smartr365 publishes a connected journey spanning case management, the HomeBuyer app, sourcing and lender connections. Achos offers a configurable case workspace and client communication, while specialist connections remain on its roadmap.

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Lender connections, client journeys and the work between them

Start with your priorities

Which approach fits your firm?

When to consider Achos

Consider Achos when the immediate priority is shared case visibility, document requests, task ownership and repeatable communications. Check that maintaining your existing sourcing and application tools alongside Achos is acceptable before making an adoption decision.

Explore the Achos mortgage CRM

When to consider Smartr365

Smartr365 may fit teams prioritising its published HomeBuyer journey, Smartflow automation and direct lender connections. Check the supported lenders and transaction types against your actual business mix rather than assuming every case follows the same connected path.

Official product information

The practical details

Compare the work behind each case.

Read the capability and its scope together. A connection on a roadmap is different from a service your team can use today.

On smaller screens, scroll the table sideways to compare both platforms.

Achos and Smartr365: nine buying considerations
Consideration	Achos	Smartr365
Case management	Client and case records, configurable pipeline stages, assigned tasks, notes and documents support everyday case progression. Ask to see the case types and adviser/admin permissions your firm needs. Achos case management	Publishes central client records, lifecycle tracking and communication history. Smartr365 Cases & Clients
Client portal	A branded client portal supports document requests, client messages and fact finds. What a client sees depends on permissions and the features enabled for the organisation. Achos client portal	The HomeBuyer journey includes document upload, progress updates and communication with the adviser. Smartr365 HomeBuyer journey
Fact finds	Build and send digital fact finds, review responses and control the transfer into client and case records. AI-assisted form creation still needs human review before use. Achos fact finds	Describes guided digital fact finding in HomeBuyer. Demonstrate your client and adviser review journey. Smartr365 HomeBuyer journey
Workflows	Configure repeatable communication sequences, reminders and case tasks. Check triggers, approvals and delivery setup with a worked example; automation needs a responsible owner. Achos workflow automation	Smartflow describes automated tasks, workflow routing and document processing. Confirm package and configuration requirements. Smartr365 Smartflow
Integrations	Google and Microsoft email sending profiles require setup. Specialist sourcing, identity/AML, e-signature and Open Banking connections are planned, with no provider or delivery date promised. Available and planned integrations	SmartrConnect publishes direct lender connections. Confirm current lenders, application types and any service requirements. Smartr365 SmartrConnect
Customisation	Configure case types, stages, templates, permissions and organisation branding. Agree the precise configuration and any additional work before choosing Achos. Achos configuration	Confirm scope Smartflow describes workflow routing; the precise controls available to your firm need demonstration. Smartr365 Smartflow
Migration	Discuss your CSV or JSON export and the records, documents and mapping required. Managed migration is a separately scoped paid service; coverage and timing depend on the source data. Migration and setup basics	Confirm scope The reviewed sources do not establish your migration coverage or price. Request a written data and document migration scope. Smartr365 published self-service terms (PDF)
Pricing approach	Request a written quote for subscription, setup and optional migration. Confirm term, support and additional charges. This comparison makes no claim that Achos is cheaper. Request an Achos quote	Published terms describe subscription packages and third-party services. Confirm current package fees, usage charges and minimum commitments. Smartr365 published self-service terms (PDF)
Implementation	Agree the workspace, user roles, templates, training responsibilities and a pilot before rollout. Confirm onboarding scope and support arrangements with the team. Plan your Achos workspace	Published terms require onboarding. Confirm training, configuration, dependencies and who signs off readiness for your firm. Smartr365 published self-service terms (PDF)

A useful demonstration

Test a connected case and an exception case

Choose two fictional cases for the evaluation: one with a straightforward route and one that needs manual follow-up. Show the same client information in each platform and ask the provider to explain the handover from fact find to research to application. Note what is transferred automatically, what needs review and what remains a separate action.

Have an administrator demonstrate a change after initial data collection, such as a revised income figure or a missing document. Ask who receives the update, who can edit the record and how the adviser knows it has been checked. A connected journey is most useful when the team understands how to handle exceptions as well as the straightforward path.

For an existing Smartr365 user, list the connections and automated messages the firm currently uses before considering a move. Test those dependencies individually. Achos should be evaluated against the workflow available today; a planned integration cannot stand in for a connection the firm already relies on. Include an agreed transition process for active cases and client access.

Where Achos needs a closer fit check

Specialist mortgage sourcing, identity/AML, e-signature and Open Banking connections are planned. There is no promised provider or launch date. Google and Microsoft profiles support email sending with setup; that does not promise full mailbox or calendar synchronisation. Check your current dependencies against the integrations and availability page.

Achos does not guarantee time savings, regulatory compliance or migration coverage. Confirm required capabilities, permissions, support and commercial terms for your organisation. A controlled pilot with your team is the best next step before committing to a change.

Make the decision concrete

Three checks before you choose.

Try the work, with the people who do it

Use a fictional but realistic case from enquiry through to completion. Include an adviser, an administrator and a reviewer. Ask each person to find the next action, request a document and explain the case history. Record any extra tools or repeated data entry rather than relying on a demonstration of the easiest path.

Agree the complete cost

Request written terms covering the recurring charge, user or case limits, minimum term, configuration, training, migration and third-party services. Model the cost at your own case volume. A cheaper headline price can still describe a different scope; compare the services your team will actually use.

Validate a small migration before rollout

Agree the source export, field mapping and document handling. Test open and completed cases, check client relationships and notes, and decide how historical records will remain available. Give the team time to verify the pilot and agree the cutover steps before relying on the new workspace for live work.

Use the mortgage CRM migration checklist

Questions about Achos and Smartr365

Is Achos a Smartr365 alternative?

Achos is an option for firms comparing mortgage case management, client portals and operational workflows. It is not a like-for-like replacement for every specialist connection Smartr365 describes. Map the services your firm uses before deciding whether Achos fits.

Does Achos currently submit applications through SmartrConnect?

No SmartrConnect connection is promised by Achos. Specialist sourcing and related connections are planned. Review the integrations page and demonstrate any required external-system step before agreeing a rollout.

How should we compare workflow automation?

Use an actual routine with fictional client details: a fact-find invitation, a reminder, a document request and a handover to an administrator. Check which events trigger messages, when reminders stop and how a person intervenes. Confirm the feature is included in the quoted package.

Sources and review notes

Official sources reviewed on 01/10/2026. Older manuals describe the documented journey at publication; confirm the current product in your demo. Our fit recommendations are an interpretation of these sources and the Achos capabilities described above.

See something that needs updating? Send the Achos team a correction with the relevant source.

Your cases. Your decision.

See whether Achos fits the way you work.

Bring your case types, current tools and the step that takes too much time. We’ll discuss the available product, the setup and the gaps to account for.

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