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Mortgage.ai
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UK's first AI-native mortgage broker

The future of
mortgages,
powered by AI.

Personalised mortgage solutions in minutes — not weeks. Let our AI advisor find your perfect rate from 90+ UK lenders.

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£2.3B
arranged
14,000+
happy clients
9 min
avg. AI match
Mortgage AI
Tell me about your situation…
⏎ to analyse
Your personalised mortgage preview will appear here.
FCA Regulated
4.9 / 5 · 2,300+ reviews
90+ UK Lenders
Award-winning advice
What we do

Mortgages, reimagined.

Three core journeys, each supercharged with personalised AI guidance from first click to keys.

First-Time Buyer

AI handles deposits, schemes, and eligibility — so you can focus on house hunting.

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Remortgage

We monitor 90+ lenders 24/7 and ping you the moment switching pays off.

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Buy-to-Let

Yield analysis, stress tests and portfolio strategy — all AI-assisted.

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AI advantage

Built differently. By design.

Six AI capabilities working together to make your mortgage faster, cheaper, and dramatically less stressful.

Predictive recommendations

Our model crunches 50+ signals to surface the mortgage most likely to be approved at the best rate.

Plain-English explanations

Toggle 'Explain it like I'm 5' on any term — APRC, LTV, ERC, all decoded instantly.

Instant eligibility

Soft-check across 90+ lenders in under 60 seconds. Zero credit footprint.

AI confidence score

See your real approval probability — and exactly what to change to push it higher.

Smart calculators

Affordability, repayments and stamp duty — recompute live as you type.

Always-on assistant

Ask anything, anytime. Your dedicated AI advisor lives in the corner of every page.

Your journey

From query to keys, in 30 days.

A visualised timeline of your mortgage journey — tracked, automated, and explained at every step.

Day 0

Tell AI your situation

60-second chat. No paperwork.

Day 0

Get matched

AI ranks 90+ lenders against your profile.

Day 1

Decision in Principle

Soft-check with zero credit hit.

Day 7

Full application

We pre-fill 80% of forms automatically.

Day 21

Offer issued

Faster than the industry average of 6 weeks.

Day 30

Keys in hand

🏡 Welcome home.

Loved by buyers

Real people. Real keys.

We got an offer in 11 days. The AI walked us through every single fee — no surprises, no jargon.
Sarah & James
First-time buyers, Bristol
Saved £312/month by switching when the AI flagged a better fix. It literally paid for itself overnight.
Mo R.
Remortgaged, Leeds
The yield analysis alone is worth it. Honestly the best mortgage experience I've had in 14 years.
Priya K.
Landlord, Manchester
FAQ

Questions, answered.

What is Mortgage.ai?

Mortgage.ai is a UK-based AI-first mortgage broker. Our AI assistant Elena asks a handful of questions, runs a soft eligibility check across 90+ UK lenders, and books a free callback with a human mortgage expert. We cover first-time buyer, remortgage and buy-to-let mortgages.

Is Mortgage.ai a regulated UK mortgage broker?

Yes. Mortgage.ai operates as a regulated UK mortgage broker, governed by the Financial Conduct Authority (FCA). All advice provided by our human brokers is regulated, and AI-generated guidance is clearly labelled and based on whole-of-market lender data.

How does the AI mortgage broker work?

Elena, our AI mortgage expert, asks 3–5 conversational questions (income, deposit, target price), then live-scores eligibility against 90+ UK lender criteria — including LTV bands, income multiples, credit policy and product fees. You receive a personalised shortlist plus the option to book a free callback by phone or WhatsApp.

How long does it take to get a mortgage with Mortgage.ai?

Decision in Principle: under 60 seconds. Full mortgage offer: 11 days on average, against a UK industry average of 28 days. Completion typically follows 6–8 weeks later depending on conveyancing.

Does Mortgage.ai charge a fee?

No upfront fee. Mortgage.ai is paid a procuration fee by the lender once your mortgage completes, which is disclosed up front. You'll never pay a broker fee for standard residential, remortgage or buy-to-let cases.

Will checking my eligibility affect my credit score?

No. Our initial eligibility check is a soft search, which is visible only to you and leaves zero footprint on your credit file. A hard credit check only happens when you formally apply to a chosen lender, with your explicit consent.

Ready to meet your AI mortgage advisor?

Get a personalised eligibility check in under 60 seconds. No credit footprint, no spam.

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Mortgage AI
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Hi! I'm your AI mortgage assistant. Ask me anything — eligibility, rates, jargon, or next steps.