The UK's Most Advanced
AI Mortgage Brokerage
We combine cutting-edge AI with over 25 years of specialist mortgage knowledge to deliver outcomes that banks and traditional brokers simply can't match.
Start AI Consultation90+
UK Lenders On Panel
11 days
Avg. Time To Offer
£1.2bn
Mortgages Arranged
4.9/5
Customer Rating
Mortgages,
Reimagined For 2026.
We started Mortgage.ai after watching friends and family lose homes to slow, form-heavy mortgage journeys. Traditional brokers still email spreadsheets. Lenders still ask the same 40 questions. Buyers still wait weeks for a yes.
-
2023
The idea
Two ex-lender engineers and a CeMAP-qualified broker prototype an AI that reads UK lender criteria in real time.
-
2024
Elena is born
We launch Elena — an AI mortgage expert that gives soft eligibility decisions in 60 seconds and matches you across 90+ lenders.
-
2026
£1.2bn arranged
We've helped 8,400+ UK buyers, movers and landlords secure mortgages, with a 4.9/5 rating on Trustpilot.
Our Experts
Meet the Leadership Team
Our values aren't a list of words — they're the expertise of our team behind every decision we make.
Mohammed Khan
Director & Mortgage Broker
CeMAP qualified with 17+ years of experience. Director of MortgageTek, specialising in contractor, self-employed, and complex income mortgages.
Chirag Patel
Mortgage & Protections Broker
Specialist in foreign national and adverse credit mortgages. CeMAP qualified with 20+ years of multinational project management experience.
Malik Ali
Senior Mortgage Advisor
CeMAP qualified with 4+ years of experience. Specialist in buy-to-let, self-employed, adverse credit, and Shariah-compliant finance.
Tayyab Zubair
Mortgage & Protection Advisor
Economics graduate specialising in first-time buyers, remortgages, buy-to-let, and self-employed applicants.
Why Mortgage
Why Clients Choose MortgageTek
Whole of Market
Access to 120+ lenders — not just banks on the high street.
AI-Powered Matching
Our AI finds your best deal in seconds before we negotiate for you.
Fast Decisions
Get a mortgage in principle the same day in many cases.
FCA Regulated
Full regulatory protection and qualified, experienced advisers.
No Upfront Fees
We only charge a fee on successful completion — no hidden costs.
What We Believe
Principles that shape every mortgage.
We look at the person, not just the paperwork. Because a great mortgage should fit your actual life and long-term goals — not just a credit number.
AI-first, human-checked
Elena does the heavy lifting. A qualified broker reviews every recommendation before it reaches a lender.
Zero-fee, zero-pressure
We're paid by lenders, not customers. No hidden fees, no upsells, no sales targets.
Speed without shortcuts
11-day average offer vs 28-day industry norm — because Elena pre-checks affordability before submission.
Built for every buyer
First-timers, movers, landlords, self-employed, adverse credit — Elena knows the specialist products.
Plain-English advice
No jargon, no PDFs. Just clear answers, delivered when you need them.
Always improving
Elena learns from every UK lender criteria update — so you always see the freshest deals.
Start Your Journey Now 
Contact us
Talk to our Mortgage Experts
Have a question about rates, pre-approval, or the buying process? We're here to make the mortgage side of things simple and stress-free. Drop us a line today.
Get Your Free Mortgage Consultation
Speak to a specialist mortgage adviser today
Not Sure Which Mortgage Is Right For You?
Our AI mortgage assistant analyses your situation and matches you with the right product and lender — before you speak to an adviser.
Talk To AI Assistant
Talk To AI Assistant FAQ
Common Questions
Everything you need to know about mortgages
Can I get a mortgage as a contractor with only 6 months history? 
In many cases, yes. Some specialist lenders will consider contractors with as little as 6 months of trading history, especially when day rate and contract length support affordability. Elena can match you with lenders whose criteria fit your specific situation.
Do I need 2 or 3 years accounts as self-employed?
Not necessarily. While many high-street banks ask for 2-3 years of accounts, we work with over 90 lenders, some of which will accept a single year of accounts or use retained profits and day rate contracts to assess affordability.
Can I get a mortgage with a CCJ or default?
Yes. A CCJ or default doesn't automatically rule you out. Depending on the size, date, and reason, we can match you with lenders who specialise in adverse credit, so you can still get a competitive rate.
How do lenders assess contractor income?
Lenders typically assess contractor income using your day rate multiplied by the number of working days in a year, or by looking at retained profits if you operate through a limited company. Our AI matches you with the lenders whose calculation method works best in your favour.