What Mortgage Brain does

Mortgage Brain is a UK-based mortgage technology provider founded in 1985 and headquartered in Bromsgrove, serving over 15,000 mortgage intermediaries and 100+ lenders across the UK residential and buy-to-let markets. The company operates a modular SaaS platform built around the Mortgage Brain Hub, a unified web-based interface that integrates Sourcing Brain (product comparison across 100+ lenders covering 98% of the UK market), Criteria Brain (search across 75,000+ lender criteria verified by up to 90 lenders in real time daily), Affordability Brain (calculations across 35+ lenders covering 90% of residential lending), CRM Brain (SaaS client management), and Submissions Brain (multi-lender DIP gateway), plus Web Brain for lead generation. The platform runs on multi-cloud infrastructure (Microsoft Azure, AWS, Google, Naviite, MongoDB) and is supplemented by in-house AI capabilities governed by a formal AI Charter introduced in 2026.

The company generates revenue through SaaS subscriptions to its modules (standalone or bundled through the Hub), API and technology licensing to third-party CRM providers and lenders, professional services including bespoke onboarding and training for enterprise customers, and media and events (AE3 Media's Your Money, Mortgage Solutions, Your Mortgage, British Mortgage Awards, and related conferences). Pricing is largely quote-based, with Web Brain publicly listed at £44 + VAT per month on a 30-day rolling subscription. Distribution combines direct sales, strategic partnerships with broker networks (Primis, Mortgage Intelligence, Mortgage Force, Affinity Group), API-first integration with lender systems (Aldermore, Halifax, Nationwide, Coventry), and bank marketer-backed support from Barclays, Lloyds Bank, Nationwide Building Society, NatWest, and Santander.

The group is privately held under Mortgage Brain Holdings Limited with subsidiaries spanning mortgage technology, processing services, criteria sourcing, and media. Mortgage Brain grew via acquisition of Criteria Hub (2019) and Mortgage Engine (2022), and is actively pursuing productization of new modules, in-house AI governance, and an API-first strategy to deepen its position as the central technology layer in the UK mortgage intermediary market. Revenue is not publicly disclosed.

Name

Mortgage Brain

Legal name

Mortgage Brain Limited

Website

https://mortgage-brain.co.uk

Company type

Private

Founded year

1985

Operating status

Operating

Headcount range

101–250 employees

Short description

Mortgage Brain is a UK-based mortgage technology provider offering sourcing, criteria, affordability, CRM, and submission software to over 15,000 mortgage intermediaries and 100+ lenders, unified through its Mortgage Brain Hub platform.

Ownership category

akta.pro rank

Product category

Mortgage Broker Software

NAICS

Real Estate Credit (522292), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162), Finance Services (6199)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

Keywords

• Mortgage broker software
• Mortgage sourcing platforms
• Lender criteria databases
• Mortgage CRM systems
• Intermediary technology solutions

Headquarters

HQ city

Bromsgrove

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Subscription / SaaS Licensing: Mortgage Brain operates primarily as a SaaS/subscription business offering multiple software modules to mortgage brokers, lenders, and business partners. Modules are offered as standalone subscriptions or as part of the integrated Mortgage Brain Hub platform. Pricing includes per-month subscription models (e.g., Web Brain at £44 + VAT per month for two plug-ins and lead management platform on a 30-day rolling direct debit).
2. API / Technology Licensing: Making technology available via API integration to intermediary firms and third-party peers, enabling anyone to connect to the underlying mortgage processing infrastructure. Bespoke packages offered to business partners through Services Brain.
3. Professional Services (Training & Onboarding): Dedicated customer success team, bespoke onboarding and training programs for enterprise clients (e.g., Mortgage Force, Affinity Group, Primis). Live webinar training sessions and personalised support included in enterprise engagements.
4. Media and Events: Mortgage Brain operates media and events businesses including Your Money, Mortgage Solutions, Your Mortgage, British Mortgage Awards, British Mortgage and Protection Senate, The Mortgage and Protection Event, and other industry awards and conferences.

Pricing tiers

Go-to-market motion4 records

Distribution channels5 records

Marketing channels7 records

Core offering

Mortgage Brain develops and sells an integrated SaaS mortgage technology platform for UK mortgage brokers, intermediaries, and lenders. The Mortgage Brain Hub serves as a single-login, web-based platform that combines mortgage product sourcing (100+ lenders, 98% market coverage), real-time lender criteria searching (75,000+ criteria), affordability calculations (35+ lenders, 90% of residential lending), CRM and client management, and multi-lender DIP submissions. Complementary offerings include web analytics/lead generation plug-ins, lender-side distribution and benchmarking tools, and bespoke data services for business partners.

Product overview

Mortgage Brain offers a modular mortgage technology platform comprising Mortgage Brain Hub as the central integration layer, with six core broker modules: Sourcing Brain (100+ lender product sourcing), Criteria Brain (75,000+ criteria search), Affordability Brain (35+ lender affordability calculations), CRM Brain (SaaS client management), Submissions Brain (multi-lender DIP submissions), and Web Brain (website plug-ins). For lenders, the platform includes Distribution Brain, Insights Brain, and Services Brain. All modules can be accessed via Mortgage Brain Hub with single login. Legacy product The Key is being phased out in favor of CRM Brain.

Differentiator

Problem solved

Functional benefit

Brands

• Mortgage Brain Hub: All-in-one integrated mortgage technology platform bringing together Sourcing, Criteria, Affordability, CRM and Submissions into a single web-based user interface with single login access.
• CRM Brain
• Sourcing Brain
• Criteria Brain
• Affordability Brain
• Submissions Brain
• Web Brain
• The Key
• Insights Brain
• Services Brain
• Distribution Brain

Products and services

• Mortgage Brain Hub Central web-based platform that integrates Sourcing Brain, Criteria Brain, Affordability Brain, CRM Brain, and Submissions Brain into a single user interface with one login. Enables configuration of modules to business requirements, management of licenses and permissions, and secure storage of third-party credentials. For UK mortgage brokers and intermediary networks.
• Sourcing Brain Web-based mortgage product sourcing system enabling brokers to compare residential and buy-to-let mortgages from 100+ lenders covering 98% of the UK market. Features browse, compare, and graphing functionality; inbuilt Hometrack AVM; and a 24-hour SLA for product updates.
• Criteria Brain Criteria-based sourcing solution searching across 75,000+ individual criteria for residential and buy-to-let mortgages, with data verified by up to 90 lenders directly in real-time daily. Searches up to six criteria categories simultaneously.
• Affordability Brain Affordability calculator covering 35+ residential lenders representing 90% of UK residential lending. Single form returns results taken directly from lender sites, with detailed copies supplied for full audit purposes. Also used by lenders to power their own intermediary calculators.
• CRM Brain SaaS CRM system for mortgage professionals featuring smart automation, client portal for data input, document upload, secure messaging and case tracking, intuitive configurable workflows, and pre-population into other Mortgage Brain modules. Single data record per client.
• Submissions Brain Multi-lender submissions gateway enabling brokers to submit DIPs to seven major UK lenders in a single journey using a standardised form. Features include alternate lender submission (ReDIP without rekeying), standalone or integrated use with CRM Brain, and API integration with third-party CRMs and lender systems.
• Web Brain

Quantifiable outcome

• Up to an hour saved per case by streamlining processes (from The Key CRM legacy product)
• +6 more outcomes

Named customers23 records

Segments4 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration4 records

AI capability5 records

Feature13 records

Partnerships

13 partnerships are on record, tiered major, flagship, minor and core.

• Mortgage ForcemajorChannel Partner/ Reseller/ Distributor · 9 February 2026Mortgage Force successfully onboarded to Mortgage Brain Hub following a collaborative journey built around shared goals and focus on how technology can support advisers day to day. Bespoke training and ongoing support provided.
• Affinity GroupmajorChannel Partner/ Reseller/ Distributor · 9 February 2026Affinity Group transitioned to Mortgage Brain Hub with Mortgage Brain demonstrating genuine commitment to partnership and working closely to understand the business and ensure the transition occurred when capabilities fully matched requirements. Carefully planned onboarding and training programme supported advisers.
• Coventry Building SocietyflagshipStrategic or Co-development Partner · 6 October 2025Coventry Building Society, the second largest building society in the UK, joined Submissions Brain as the seventh lender. Worked closely with Mortgage Brain in collaboration to genuinely create a solution that works for everyone. Coventry's Director of Mortgage Distribution cited the partnership enabling easier broker work, reduced paperwork, and smooth digital process. Coventry is also working on buy-to-let expansion.
• LMS (National Property Transaction Network)minorStrategic or Co-development Partner · 22 September 2025LMS created the National Property Transaction Network (NPTN), a digital ecosystem for the UK property sector. Mortgage Brain is listed among 42 organisations that committed support to the NPTN. The network achieved 35% reduction in completion times and 43% drop in fall-throughs during its initial pilot, with 15 major lenders signed on.
• Aldermore BankmajorTechnology or Integration · 8 April 2025Aldermore Bank completed API integration with Mortgage Brain for Criteria Brain, enabling mortgage brokers to access Aldermore's lending criteria through the platform. Represents Mortgage Brain's API-first strategy for connecting lender data.
• Gatehouse BankmajorTechnology or Integration · 20 March 2025Gatehouse Bank products added to Mortgage Brain's sourcing platforms, expanding the range of Islamic finance options available to brokers on the platform.
• PrimisflagshipStrategic or Co-development Partner · 20 December 2024Primis partnered with Mortgage Brain to deliver a new technology ecosystem for Primis's 2,500 member firms. The partnership involves Mortgage Brain Hub and CRM Brain being rolled out across the Primis network with a planned migration to CRM Brain. Described as the latest phase in the delivery of next-generation broker technology, shaped through genuine collaboration.
• Mortgage IntelligencemajorChannel Partner/ Reseller/ Distributor · 4 July 2024Mortgage Intelligence expanded free software offerings to its network members through partnership with Mortgage Brain. Network members gained access to Mortgage Brain's software solutions at preferential or free terms, extending Mortgage Brain's reach to Mortgage Intelligence's member broker firms.
• Nomo Bank (BLME)majorTechnology or Integration · 3 May 2024Nomo Bank, a UK-based Sharia-compliant digital bank and part of BLME (Bank of London and The Middle East plc), partnered with Mortgage Brain to add Sharia-compliant residential and rental property finance products to Sourcing Brain. Nomo targets borrowers globally for UK property purchases through UK-based intermediaries, extending Mortgage Brain's reach to international markets.
• Hometrack Data Systems LtdcoreTechnology or IntegrationHometrack Data Systems Ltd provides the Automated Valuation Model (AVM) integrated into Sourcing Brain. Hometrack is described as the leading supplier to the UK's largest lenders. The AVM is provided free with Sourcing Brain and enables property valuations within the mortgage sourcing workflow.
• Microsoft (Azure)coreTechnology or IntegrationMicrosoft Azure provides cloud infrastructure for multiple Mortgage Brain systems including The Key, CRM Brain, Submissions Brain, and MTE. Azure cloud services underpin the SaaS architecture of Mortgage Brain's core platforms.
• Halifax (Lloyds Banking Group)flagshipTechnology or IntegrationHalifax delivered the first digital full mortgage application for Halifax via Submissions Brain. Halifax is one of seven launch lenders on Submissions Brain and has been live on Sourcing Brain and Criteria Brain since early 2022. Strongest integration partnership with Mortgage Brain.
• RelymajorTechnology or IntegrationRely, described as a buy-to-let powerhouse, added to Sourcing Brain and Criteria Brain, expanding Mortgage Brain's coverage of the specialist lending market.

Scale indicators15 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Iress (Mortgage Solutions / Twenty7tec): Iress acquired Twenty7tec, the other dominant UK mortgage intermediary technology platform offering sourcing, CRM, and submissions tools to UK brokers. Twenty7tec is the closest direct competitor to Mortgage Brain's Sourcing Brain, CRM Brain, and Submissions Brain modules, serving the same intermediary market with overlapping functionality.

Broad incumbents

• Iress Limited: Iress is a large Australian-listed financial technology provider that acquired Twenty7tec to enter UK mortgage software. As a broad incumbent with portfolio technology across advice, trading, and mortgage workflows, Iress competes with Mortgage Brain across sourcing and CRM while operating across multiple financial services verticals globally.
• Experian: Experian is a global credit information and analytics provider with UK mortgage products serving lenders and intermediaries. As a broad incumbent, Experian overlaps with Mortgage Brain's affordability and credit-decisioning capabilities through its data assets and lender relationships.

Regional players

• LMS (Legal Marketing Services): LMS operates the National Property Transaction Network (NPTN) for the UK property sector and is listed alongside Mortgage Brain among 42 committed organisations. LMS serves UK conveyancers and lenders with property data and transaction tools, overlapping with Mortgage Brain's broader UK property ecosystem ambitions.
• Connells Group: Connells is one of the UK's largest estate agency and mortgage broker groups, with proprietary intermediary technology and significant relationships with UK lenders. As a major UK broker customer and competitor in distribution, Connells overlaps with Mortgage Brain's intermediary customer base.

Others

• Hometrack Data Systems: Hometrack (owned by Zillow Group) is the UK's leading residential property data and Automated Valuation Model provider. Mortgage Brain integrates Hometrack's AVM into Sourcing Brain, and Hometrack supplies similar valuations to many of the same UK lenders, making it an enabling data partner with overlapping lender relationships.
• Mortgage Engine: Mortgage Engine is a UK mortgage technology brand acquired by Mortgage Brain in March 2022. The retained brand continues to operate within the Mortgage Brain Group, serving overlapping broker and lender needs in sourcing and processing technology.

Emerging players

• ULS Technology (eConveyancer / Trakday): ULS Technology provides conveyancing search, panel management, and CRM technology (Trakday) to UK mortgage brokers and estate agents. It is an emerging competitor to Mortgage Brain's CRM and lead-management capabilities, particularly among networks seeking an alternative end-to-end platform.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/MortgageBrain
• LinkedInlinkedin.com/company/mortgage-brain
• Xx.com/Mortgage_Brain

Compliance6 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries7 records

Funding overview

Funding rounds

Investors

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

M&A1 record

Investments

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

Frequently asked questions about Mortgage Brain