Sooner

Forms v2 — Proposed Design

6,000+ borrowers will see this. Form 1 standalone, dashboard for Form 2 + 2.5 + 3.

Forms

F1 · F2 · F2.5 · F3

Questions after redesign

Down from 66

Time to quote

~3 min

Was ~10

Brand-aligned

100%

Manrope + Sooner Yellow

Macro flow

Form 1 is a standalone marketing page that captures intent. After contact submit, the borrower lands in a Dashboard with Form 2 / Form 2.5 / Form 3 as tabs.

flowchart LR traffic["Marketing
Partner
Direct"] form1["Form 1
Standalone
~2 min · 9 Qs"] gate{"Eligible?"} decline["Decline screens
Residency / income / criteria miss"] cta["Continue to Dashboard
CTA after contact submit"] subgraph dashboard["Dashboard"] direction TB form2["Form 2 tab
Active on entry"] form25["Form 2.5 tab
Gated by has_co_applicant"] form3["Form 3 tab
Gated by SCS >= 55"] end reliable["Reliable Mortgages
submission"] traffic --> form1 form1 --> gate gate -->|No| decline gate -->|Yes| cta cta --> form2 form2 -->|has_co_applicant = yes| form25 form2 -->|SCS >= 55| form3 form25 -->|joint data complete| form3 form3 --> reliable classDef source fill:#FFFFFF,stroke:#1C1B17,stroke-width:1px,color:#1C1B17; classDef form1 fill:#E2F55C,stroke:#1C1B17,stroke-width:1.2px,color:#1C1B17; classDef form2 fill:#F5F4F0,stroke:#1C1B17,stroke-width:1.2px,color:#1C1B17; classDef form25 fill:#F4F9B4,stroke:#1C1B17,stroke-width:1.2px,color:#1C1B17; classDef form3 fill:#E5E4E0,stroke:#1C1B17,stroke-width:1.2px,color:#1C1B17; classDef decline fill:#F8ECEC,stroke:#8A1414,stroke-width:1.2px,color:#1C1B17; classDef end_ok fill:#E9FE0F,stroke:#1C1B17,stroke-width:1.2px,color:#1C1B17; class traffic source class form1 form1 class form2 form2 class form25 form25 class form3 form3 class decline decline class cta,reliable end_ok style dashboard fill:#FFFFFF,stroke:#1C1B17,stroke-width:1px,rx:8,ry:8

Form 1 — Lead qualification

Live preview from sooner-form1-preview.pages.dev — the production-ready Form 1 with new copy + canonical calculator + rejection flow.

Live preview · production-ready

Try it: enter a property budget to see the canonical Dubai closing-cost calculator and the new "You can save AED X upfront" CTA.

Sooner

Form 1 hands off into a dashboard shell that keeps progress, fee state, and unlock logic visible at all times.

Dashboard shell

Dashboard

After Form 1 contact submit, the borrower lands here. Form 2 stays active first. Form 2.5 and Form 3 unlock from live state, not from a separate flow.

Next up F2

Prefill discipline

Ask once

Form 1 captures contact and intent. The dashboard confirms it, then deepens only what is needed for pricing and decisioning.

Pricing logic

15%

CFF only keeps the initial fee at 15%. Discovery and Brokerage bring it down live.

Unlock logic

Form 2 live

Co-applicant and document collection stay gated until the borrower makes those choices.

Property context

Still browsing

Form 1 step 3 branches between target-market language and a specific-property confirmation state.

Co-applicant

Not added yet

Turn this on in Form 2 to unlock Form 2.5 and the joint-score branch.

Indicative SCS

Pending Form 2

Complete the employment, income, debt, savings, usage, and AECB band questions to unlock Form 3.

Dashboard tab 1

Form 2 — Pre-approval

21 questions after redesign. Five are confirmations from Form 1. The rest deepen pricing, scoring, and routing without duplicating Form 1.

Indicative SCS

Decision state before documents

The Moaziz-style center card keeps approval momentum, fee tier, and next-step clarity above the question stack instead of below it.

SCS --

Form 2 completion 0%

What you'll see

NameConfirmed

PhoneVerified

BudgetAED 2,000,000

Timeline0-3mo

Confirmed-from-Form-1 grid so the borrower understands what the dashboard already knows.

What you'll see

OTP required

4821

Phone re-verification happens once, then Form 3 reflects the verified state.

Phone OTP prompt at the top of the dashboard, before deeper underwriting questions.

What you'll see

CFF Discovery Brokerage

15% fee tier

Toggle services and the fee chip updates in place.

Live fee tier chip preview so pricing changes feel native to the dashboard shell.

Eligibility

Q1-Q5

Pre-fill confirmation panel

confirmed via Form 1

Full name Borrower name confirmed ✎ Edit

Email borrower@example.com confirmed ✎ Edit

Phone +971 50 000 0000 confirmed ✎ Edit

Property budget AED 1,500,000 confirmed ✎ Edit

Timeline 0-3mo confirmed ✎ Edit

Phone OTP verification

new

Research-driven addition before deeper underwriting. The borrower re-confirms the phone they submitted in Form 1.

+971 50 000 0000 Verified

The entry state is already completed here, so Form 3 can later show "Verified" instead of asking again.

Finances

Cost replay

Cost breakdown + Sooner reveal

re-displayed

Down payment (20%)AED 300,000

DLD transfer fee (4%)AED 60,000

Agency commission (2%)AED 30,000

Bank fees + valuationAED 6,000

Total upfrontAED 396,000

Same canonical simplification as Form 1. This replay keeps the borrower anchored before service selection changes the fee tier.

Sooner reveal

What changes with Sooner

live

Sooner upfront

AED 150,000

Monthly collection

AED 4,125

Pricing stays service-led. Add Discovery and/or Brokerage and the fee badge updates immediately.

Service selection + live fee tier

15%

CFF only 15% fee on Closing Fee Financing.

Employment

Q8-Q10

Employment profile

branches Form 3

Employment type

Employer / business name

Tenure with current employer

Q11-Q13

Household setup + income

joint path

Has co-applicant?

Monthly income Variable income

Q14-Q17

Debt snapshot

4 yes/no only

Existing mortgage?

Pay rent?

Personal or car loans?

Credit cards?

Property

Q18-Q21

Savings, usage, funding, AECB

decision input

Liquid savings band

Property usage

Down payment source

AECB band

Indicative SCS reveal

Decision moment before documents

Pending

Need inputs 15% fee

Complete the live inputs above to compute the indicative score and unlock Form 3.

Form 3 stays disabled until the borrower has an indicative SCS and fee tier to react to.

Dashboard tab 2

Form 2.5 — Co-applicant

Optional branch only. The primary borrower sees this tab when they confirm a co-applicant in Form 2, then the joint score recomputes before docs.

Solo SCS estimate

--

Waiting for Form 2 inputs.

Joint SCS estimate

Unlock

Enable a co-applicant in Form 2 to unlock.

Joint uplift

Enable a co-applicant in Form 2 to unlock.

Locked state

Enable a co-applicant in Form 2 to unlock this tab.

disabled

Enable a co-applicant in Form 2 to unlock. The tab stays visible in the shell, but the borrower cannot proceed here until the joint path is turned on upstream.

Q1-Q7

Seven questions, no duplication

joint path

Co-applicant Full name

Co-applicant Email Co-applicant Phone

Co-applicant Employment type

Co-applicant Employer / business name

Co-applicant Monthly income Co-applicant Variable income

Joint recompute

Joint score refresh

Awaiting co-applicant

XXX

Joint score pending

Joint score: estimated XXX

This banner updates live as soon as the co-applicant fields are present, without reloading or leaving the dashboard.

Dashboard tab 3

Form 3 — Documents + verification

The borrower only lands here after Form 2 has enough information to show an indicative SCS. The page focuses on document collection, not re-asking answered questions.

Document status meter

0 of 0 uploaded

Required tiles gate the Reliable Mortgages handoff. Recommended tiles stay visible but do not block submission.

Tiles 0

Upload progress 0%

Locked state

Indicative SCS not computed yet.

disabled

Complete the live Form 2 questions to unlock Form 3. The tab state, fee badge, and doc tiles all update without a page refresh.

Verification state

OTP already verified

Verified ✓

+971 50 000 0000

The phone has already been confirmed at Form 2 entry, so this screen only reflects the verified state.

F3-only questions

Ownership + contribution split

final setup

Ownership split

Trade license #

Document grid

Primary applicant documents

Salaried branch

Mockup only. Upload actions are intentionally inactive. Employment-type chips in Form 2 filter the conditional tiles below in real time.

Identity (3)

Emirates ID

Front + back. Verifies identity, date of birth, and nationality.

Uploaded

IdentityReview

Passport copy

Romanized name, nationality, and expiry confirmation.

Uploaded

IdentityReview

Visa page

Residency duration and sponsor information.

Required

IdentityUpload

Income (2-4)

Bank statements

Six monthly slots for income, rent, recurring debits, and balance checks.

Required

Month 1 Month 2 Month 3 Month 4 Month 5 Month 6

Income + DBRUpload

Salary certificate

Confirms employer, salary, tenure, and allowances.

Required

IncomeUpload

Employment letter

Backs up role, active employment status, and continuity.

Recommended

IncomeUpload

Trade license PDF

Business name, license number, and operating history.

Required

IncomeUpload

Audited financials

Recommended when self-employed for two years or more.

Recommended

IncomeUpload

Credit (1)

AECB report

Verifies credit score band, defaults, and debt obligations.

Required

CreditUpload

Joint branch

Co-applicant documents

5 parallel tiles

Shown only when has_co_applicant=yes. Mirrors the primary applicant collection flow.

Co-applicant (5)

Co-applicant Emirates ID

Identity and nationality confirmation.

Required

IdentityUpload

Co-applicant passport

Parallel identity proof for the joint applicant.

Required

IdentityUpload

Co-applicant visa

Residency and sponsor verification.

Required

IdentityUpload

Co-applicant salary cert

Confirms employer, salary, and tenure on the joint path.

Required

IncomeUpload

Co-applicant bank statements

Parallel income verification for the joint score.

Required

IncomeUpload

Reliable Mortgages handoff

Complete every Required tile before this handoff can be enabled.

Sooner Application — Proposed v2 Design

Forms v2 — Proposed Design

Macro flow

Form 1 — Lead qualification

Dashboard

Form 2 — Pre-approval

Decision state before documents

Pre-fill confirmation panel

Phone OTP verification

Cost breakdown + Sooner reveal

What changes with Sooner

Service selection + live fee tier

Employment profile

Household setup + income

Debt snapshot

Savings, usage, funding, AECB

Decision moment before documents

Form 2.5 — Co-applicant

--

Unlock

Enable a co-applicant in Form 2 to unlock this tab.

Seven questions, no duplication

Joint score refresh

Form 3 — Documents + verification

0 of 0 uploaded

Indicative SCS not computed yet.

OTP already verified

Ownership + contribution split

Primary applicant documents

Co-applicant documents