Mojo Mortgages
Mojo Mortgages is a UK digital mortgage broker (subsidiary of ZPG Limited) that provides fee-free, whole-of-market mortgage and protection advice to UK consumers via a fintech platform with 60+ lenders and in-house CeMAP-qualified experts.
- Company typePrivate
- Founded2016
- HeadquartersMacclesfield, United Kingdom
- Headcount101–250
- GTM typeB2C
- OfferingServices
What Mojo Mortgages does
Mojo Mortgages is a UK-based digital mortgage broker operating as a trading style of Life's Great Limited, a subsidiary of ZPG Limited. Founded in 2016 and headquartered in London with an FCA registration (FS Register 478215), the company provides fee-free, whole-of-market mortgage advice to UK consumers across first-time buyer, remortgage, buy-to-let, and self-employed segments, with access to 60+ lenders and broker-exclusive products. Its technology stack centres on a bespoke fintech platform comprising the customer-facing website, the My Mojo online portal for document submission and application tracking, a mortgage in principle service, mortgage calculator and comparison tools, a rate checker, and the trademarked MortgageScore assessment tool, all layered with 60+ in-house CeMAP-qualified mortgage experts available by phone. Revenue is generated primarily through procuration commission from lenders (typically 0.35-0.45% of loan value) on completed mortgages, supplemented by commission from a protection insurance vertical covering life, critical illness, and income protection products across 17 insurers. The company is distributed through its own direct-to-consumer website and via integration with ZPG-owned aggregator platforms including Zoopla, Uswitch, Money, and Confused.com, with marketing spanning SEO, content, social media, email, and a paid referral programme.
Mojo Mortgages firmographics
Firmographics- Name
- Mojo Mortgages
- Legal name
- Life's Great Limited
- Website
- https://mojomortgages.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Mojo Mortgages is a UK digital mortgage broker (subsidiary of ZPG Limited) that provides fee-free, whole-of-market mortgage and protection advice to UK consumers via a fintech platform with 60+ lenders and in-house CeMAP-qualified experts.
- Ownership category
- akta.pro rank
Mojo Mortgages industry classification
Industry- Product category
- Online Mortgage Brokerage
- NAICS
- Mortgage and Nonmortgage Loan Brokers (522310)
- SIC
- Loan Brokers (6163)
- akta.pro primary industry
- Residential Mortgage Brokerage (Purchase & Refinance) (FSAEAEAA)
- akta.pro secondary industry
- Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)
Keywords
Where Mojo Mortgages is headquartered
LocationHeadquarters
- HQ city
- Macclesfield
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Mojo Mortgages business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure
Revenue model
- Lender Commission (Procuration Fee): Mojo earns commission from mortgage lenders when a customer's mortgage application successfully completes. This is the primary revenue stream. Commission is typically between 0.35% and 0.45% of the total mortgage amount. Lenders do not compensate Mojo more to recommend one product over another - compensation is received only when a mortgage application is completed.
- Protection Insurance Commission: Mojo's protection advisors provide free insurance advice. When customers choose to proceed with insurance coverage (life insurance, critical illness cover, income protection), the cover provider pays Mojo commission, making the advisory service free for customers.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Free mortgage advice and recommendation service for all customers |
Go-to-market motion2 records
Distribution channels4 records
Marketing channels7 records
Mojo Mortgages product offering
Product offeringCore offering
Mojo Mortgages is a fee-free, FCA-regulated online mortgage broker that helps UK consumers find, compare, and apply for residential, remortgage, buy-to-let, and self-employed mortgages from a panel of 60+ lenders. Customers complete a digital fact-find (around 8 minutes), consult with CeMAP-qualified in-house mortgage experts by phone at convenient times, and manage applications via the My Mojo online portal. The company also provides complementary protection insurance advice covering life, critical illness, and income protection products.
Product overview
Mojo Mortgages operates as a whole-of-market, fee-free online mortgage broker platform that connects UK borrowers with over 60 lenders. The core offering is the Mojo Mortgages Online Mortgage Broker Platform, which enables customers to compare and secure mortgages through a digital-first experience complemented by human mortgage expert support. The platform includes core mortgage products such as Mortgage In Principle, Mortgage Calculator, Mortgage Comparison, Remortgage Services, First Time Buyer Mortgages, Buy-to-Let Mortgages, and Self-Employed Mortgages. Add-on modules include Mortgage Protection Insurance (life, critical illness, and income protection), Mortgage Rate Checker, and educational Mortgage Guides and Resources. Customers access services via the My Mojo Customer Portal. The company is FCA authorized (478215) and CeMAP qualified advisors provide personalized recommendations without charging customers for initial consultation or mortgage advice.
Differentiator
Problem solved
Functional benefit
Products and services
- Mojo Mortgages Online Mortgage Broker Platform A fee-free online mortgage broker platform that provides impartial mortgage advice and recommendations, connecting UK consumers with over 60 lenders through a digital-first experience with human mortgage expert support.
- Mortgage In Principle An expert-verified mortgage in principle service that helps customers understand how much they could borrow before committing to a full mortgage application.
- Remortgage Service Remortgaging services including product transfers with the same lender and remortgages switching to a new lender, designed to help customers secure better deals or release equity.
- First-Time Buyer Mortgages Specialized mortgage guidance and product access for UK first-time buyers, including exclusive deals and expert advice on deposit requirements and the application process.
- Buy-to-Let Mortgages Mortgage products for residential landlords purchasing property to rent out, including limited company buy-to-let options, with access to broker-exclusive BTL products.
- Self-Employed Mortgages Specialized mortgage brokerage service for self-employed individuals, helping them present non-standard income documentation and match to appropriate lenders.
- Mortgage Protection Insurance Fee-free protection advice covering life insurance, critical illness cover, and income protection policies designed to protect customers' mortgage payments.
- My Mojo Customer Portal Online customer portal that lets existing customers log in, upload and submit documents, track application status, and communicate with their dedicated mortgage advisor or case manager.
- Mortgage Comparison Whole-of-market mortgage comparison capability that lets customers view and compare thousands of mortgage deals from 60+ UK lenders.
Quantifiable outcome
- 95% of Mojo customers find joy with a mortgage offer
- +3 more outcomes
Companies that use Mojo Mortgages
Customer profileNamed customers6 records
Segments4 records
Ideal customer profiles4 records
Mojo Mortgages technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Mojo Mortgages partnerships and signals
Strategic signalPartnerships
Eight partnerships are on record, tiered core and minor.
- NatWestcoreHigh street bank and one of the major UK mortgage lenders in Mojo's network. NatWest offers residential and buy-to-let mortgages that Mojo presents to customers as part of their whole-of-market comparison.
- Nationwide Building SocietycoreSecond-largest UK mortgage lender with approximately 14% market share (£35.7 billion in mortgage funds). Nationwide offers broker-exclusive mortgages available only through intermediaries like Mojo, not directly to consumers.
- BarclayscoreOne of the 'Big 6' UK mortgage lenders offering residential and commercial mortgage products including Family Springboard mortgages and buy-to-let options up to 75% LTV.
- Halifax (Lloyds Banking Group)coreOne of the largest mortgage lenders in the UK, established in 1853. Halifax offers first-time buyer, home mover, buy-to-let, and remortgage products up to 90% LTV.
- SantandercoreUK's top four mortgage lender commanding nearly 10% of the market. Santander offers competitive rates particularly for higher LTV products, with buy-to-let products available through brokers only.
- HSBCcoreGlobal bank and one of the 'Big 6' UK mortgage lenders. HSBC offers residential and commercial mortgages including fixed and variable rates, capital repayment and interest-only options, and products for foreign nationals.
- ZPG Limited (Parent Company)coreParent company of Mojo Mortgages (trading as Life's Great Limited). ZPG Limited also owns other digital platforms including Hometrack, Money.co.uk, Confused.com, Alto, PrimeLocation, Tempcover, Uswitch, and Zoopla. The Modern Slavery Statement is published on behalf of ZPG Limited and its subsidiaries.
- Legal & GeneralminorProtection insurance provider. Mojo's protection advisors work with Legal & General and 16 other insurers to offer life insurance, critical illness cover, and income protection products. Kyle Fisk won Legal & General's 'Hero in the Middle' award for exceptional client support.
Scale indicators7 records
Recent moves6 records
Expansion highlights5 records
Mojo Mortgages competitors and assessment
Company assessmentBroad incumbents
- HSBC UK: One of the UK's Big 6 mortgage lenders offering a full direct-to-consumer digital mortgage journey; a major Mojo partner but also a competitor for direct applications.
- Lloyds Banking Group (Halifax): Halifax is among the largest UK mortgage lenders; the group competes with brokers via direct high-street and digital channels, while also distributing through intermediaries like Mojo.
- Nationwide Building Society: Largest UK mortgage lender (~14% market share) and a core Mojo partner; competes with Mojo via its own direct and broker-exclusive products and broader retail banking franchise.
Direct peers
- John Charcol: Long-established UK fee-charging mortgage broker serving complex and high-net-worth mortgage cases; competes for the same professional and self-employed segments Mojo targets.
- London & Country Mortgages: One of the UK's largest fee-free mortgage brokers, offering whole-of-market advice across a broad range of lenders; competes head-to-head with Mojo for first-time buyer and remortgage customers.
- Better.co.uk: Online-first UK mortgage broker with a tech-led customer journey, comparable to Mojo in targeting self-serve and advised customers seeking whole-of-market access.
- Habito: UK digital-first mortgage broker offering whole-of-market comparison and online application, the closest direct competitor to Mojo with similar fee-free, commission-funded model.
- Trussle: UK online mortgage broker focused on remortgages and whole-of-market comparison with a digital-first experience, directly competing for the same digital-natives Mojo targets.
Emerging players
- Tembo Money: Emerging UK digital mortgage broker with a focus on affordability and lifetime remortgaging; overlapping customer segments with Mojo but earlier in scale and product breadth.
Others
- Sesame Network (BNP Paribas Personal Finance): Major UK mortgage club/network providing lender access, panel infrastructure, and compliance support to appointed brokers — a relevant ecosystem peer for whole-of-market intermediary operations like Mojo.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Mojo Mortgages social profiles
Digital presenceMojo Mortgages compliance and trust
Trust signalCompliance1 record
Mojo Mortgages financial estimates
Financial estimateRevenue estimate
Valuation estimate
Mojo Mortgages leadership team
Management profileNumber of profiles
Profiles12 records
Mojo Mortgages funding detail
Funding detailFunding overview
Funding rounds2 records
Investors2 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Mojo Mortgages M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Mojo Mortgages
What does Mojo Mortgages do?
Mojo Mortgages is a fee-free, FCA-regulated online mortgage broker that helps UK consumers find, compare, and apply for residential, remortgage, buy-to-let, and self-employed mortgages from a panel of 60+ lenders. Customers complete a digital fact-find (around 8 minutes), consult with CeMAP-qualified in-house mortgage experts by phone at convenient times, and manage applications via the My Mojo online portal. The company also provides complementary protection insurance advice covering life, critical illness, and income protection products.
Is Mojo Mortgages a public or private company?
Mojo Mortgages is a private company. It is classified as corporate owned and is currently operating.
When was Mojo Mortgages founded?
Mojo Mortgages was founded in 2016. It employs 101 to 250 people.
Where is Mojo Mortgages based?
Mojo Mortgages is headquartered in Macclesfield, United Kingdom, in the Europe region.
How does Mojo Mortgages make money?
Two revenue lines are on record. Lender Commission (Procuration Fee) is the primary driver. The others are protection Insurance Commission.
Who are Mojo Mortgages's main competitors?
Broad incumbents on record are HSBC UK, Lloyds Banking Group (Halifax) and Nationwide Building Society. Direct peers are John Charcol, London & Country Mortgages, Better.co.uk, Habito and Trussle. Tembo Money is listed as an emerging player. Sesame Network (BNP Paribas Personal Finance) is listed as an others.
Does Mojo Mortgages have an API?
No public API is recorded for Mojo Mortgages.
What industry is Mojo Mortgages in?
Mojo Mortgages's product category is Online Mortgage Brokerage. Its primary akta.pro industry code is FSAEAEAA, Residential Mortgage Brokerage (Purchase & Refinance), with a secondary code of FSALABAJ, Mortgage Comparison, Marketplace & Rate-Shopping Platforms. Its NAICS code is 522310 and its SIC code is 6163.