Mojo Mortgages

What they do

Mojo Mortgages is a whole-of-market online mortgage broker regulated by the FCA (register number 478215). All advisors hold CeMAP qualifications or a Certificate in Mortgage Advice from the Chartered Insurance Institute. The service covers first-time buyer mortgages, home mover mortgages, remortgages, buy-to-let (including portfolio landlords) and more complex cases such as self-employed or high-net-worth borrowers.

The process is straightforward. A prospective customer fills in an online form — Mojo says it takes around eight minutes — then books a call with one of their in-house mortgage experts. Calls are available evenings and weekends. After that, a dedicated case manager handles paperwork, liaises with lenders and chases solicitors through to completion.

Mojo does not charge customers for initial consultations or mortgage recommendations. They receive commission from lenders when an application completes, and they state that this fee does not influence which products they recommend. Protection advice — covering life insurance, income protection and critical illness cover — is also fee-free.

Their technology includes a Rate Check Promise service that monitors a customer's chosen deal daily and flags any rate drops. There is also a mortgage in principle (MIP) tool that issues around 500 expert-verified MIPs per month, and an online portal for document uploads.

The numbers they publish: nearly £8 billion in mortgages arranged, 140,000-plus people spoken to, 18,000-plus home buyers matched with a mortgage, 60,000-plus remortgage deals recommended, and a 95% success rate when applying through Mojo. They hold 6,500-plus five-star Trustpilot reviews, a 4.8-star Google Reviews rating and a 4.9 rating on Smart Money People.

Mojo was named UK Mortgage Broker of the Year 2025 at the MoneyAge Awards. They have also won Best Mortgage Broker and an Innovation of the Year award at the British Bank Awards, and in May 2026 took Mortgage Strategy's Best Broker for Digital Innovation.

The company supports Centrepoint, the UK youth homelessness charity, through fundraising, volunteering and awareness activity.

What sets them apart

Mojo's pitch rests on three things: whole-of-market access, no customer-facing fees, and a hybrid model that pairs online tools with human advisors.

Whole-of-market status means their brokers can compare deals across high-street banks, building societies and specialist providers rather than being tied to a single lender's range. They are explicit that lenders do not pay more to be recommended over others.

The fee-free model is funded entirely by lender commission, which removes a friction point that puts some borrowers off using brokers. John Fraser-Tucker, Head of Mortgages, frames the approach plainly: "Mortgages can be complicated, but we don't think they have to be. Our advisors know exactly where to look to match you with the most suitable deal. And then they'll tell you all about it, without the jargon or fluff."

The hybrid model matters because fully automated mortgage tools have struggled to handle edge cases — self-employed income, complex credit histories, portfolio landlords. Mojo keeps human brokers at the centre of every recommendation while using technology to speed up the application process and monitor rates post-completion.

Their registered address is The Cooperage, 5 Copper Row, London SE1 2LH. The researcher's note flags Leeds as the operational base, though the contact page lists the London address. Mojo is a trading style of Life's Great Limited and sits within the RVU group.

What they offer

• Fee-free mortgage advice — whole-of-market recommendations across 60+ lenders, covering purchase and remortgage, with no charge to the customer.
• Mortgage in principle (MIP) — expert-verified MIPs issued online, around 500 per month.
• Rate Check Promise — daily monitoring of a customer's chosen deal with alerts and switching support if rates fall.
• Protection advice — fee-free advice on life insurance, income protection and critical illness cover from a panel of providers.
• Mortgage guides and calculators — editorial content and tools including a mortgage calculator and mortgage rate checker, available without an account.