Meet Elena · your AI mortgage expert
Hi, I'm Elena. Let's find your mortgage.
No forms. Just a conversation. I'll ask a few smart questions, run the numbers across 90+ UK lenders, and arrange a callback with a human broker when you're ready.
Elena
Your AI mortgage expert · UK-regulated logic
Hi 👋 I'm Elena, your AI mortgage expert. I'll skip the boring forms and just ask a few smart questions. First — what brings you here today?
Soft check · no credit footprint
FAQ
Questions, answered.
Can't find your answer?
Elena, our AI mortgage expert, can answer it in seconds — or book you a free callback with a human broker.
What does Elena, the AI mortgage assistant, do?
Elena is Mortgage.ai's AI mortgage expert. She asks a short series of conversational questions about your income, deposit and goal, scores your eligibility live against 90+ UK lenders, and produces a personalised recommendation with the option of a free callback by phone or WhatsApp.
How accurate is the AI mortgage calculator?
Elena uses live UK lender criteria — income multiples (typically 4–5.5×), LTV bands, BTL rental cover (125%/145% ICR), credit policy and product fees. The approval-confidence score reflects how well your profile fits the matched lender's policy. A human broker confirms the recommendation before any application.
Will using the calculator affect my credit score?
No. Eligibility is assessed via soft search only, which leaves no footprint on your credit file. A hard credit check is only carried out when you formally submit an application with your explicit consent.
Can I use the calculator for buy-to-let or remortgage?
Yes. Elena has three specialist flows — first-time buyer (income, deposit, target price), remortgage (balance, value, current rate) and buy-to-let (price, expected rent, deposit) — each calibrated to the relevant UK lender criteria.
How long does the calculator take?
Most users complete the conversation in 60–90 seconds. The recommendation appears immediately, and you can book a callback in another 30 seconds if you want a human broker to review.
Ready to meet your AI mortgage advisor?
Get a personalised eligibility check in under 60 seconds. No credit footprint, no spam.