Mojo Mortgages

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.

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

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

• Online mortgage broker
• Residential mortgage advice
• Remortgage services
• Buy-to-let mortgages
• Mortgage protection insurance

Headquarters

HQ city

Macclesfield

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Technology or R&D, Operations, Infrastructure

Revenue model

1. 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.
2. 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

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core 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

Named customers6 records

Segments4 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Eight partnerships are on record, tiered core and minor.

• NatWestcoreChannel Partner/ Reseller/ DistributorHigh 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 SocietycoreChannel Partner/ Reseller/ DistributorSecond-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.
• BarclayscoreChannel Partner/ Reseller/ DistributorOne 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)coreChannel Partner/ Reseller/ DistributorOne 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.
• SantandercoreChannel Partner/ Reseller/ DistributorUK'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.
• HSBCcoreChannel Partner/ Reseller/ DistributorGlobal 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)coreOthersParent 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 & GeneralminorChannel Partner/ Reseller/ DistributorProtection 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

Broad 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

• Xtwitter.com/MojoMortgagesUK
• Facebookfacebook.com/MojoMortgagesUK
• LinkedInlinkedin.com/company/mojomortgages
• Instagraminstagram.com/mojomortgagesuk
• TikToktiktok.com/@mojomortgages

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Profiles12 records

Funding overview

Funding rounds2 records

Investors2 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Mojo Mortgages