Get Mortgage-Ready by Chatting with Mo
An AI mortgage agent for UK homebuyers. Upload your documents, get a 0-100 readiness score, and see which lenders pay out the most — with deep support for the self-employed buyers the industry serves worst.
The UK Mortgage Process Punishes Anyone Who Isn't a Salaried Employee
Getting mortgage-ready in the UK means decoding lender criteria that brokers keep to themselves — and it's hardest for the fastest-growing group of workers:
Self-employed buyers (Ltd directors, sole traders, contractors) face wildly different affordability rules per lender — one uses salary + dividends, another share of net profit
The documents that decide everything (SA302s, company accounts, credit reports) sit unread in inboxes and filing apps
Buyers discover problems at application time, when it's too late to fix them
Broker advice is gatekept behind appointments — there's no way to just ask a quick question at 10pm
"These challenges required a comprehensive, strategic approach to deliver exceptional results."
Meet Mo — Get Mortgage-Ready by Chatting
MortgageOS is an AI-native mortgage readiness platform for UK homebuyers. Mo, the in-app AI agent, reads the small print so buyers don't have to: upload an SA302, a credit report, or company accounts and Mo extracts the numbers, maps income to real lender criteria, and shows the borrowing range across the market — including which lender pays out the most for a Ltd director taking £12k salary and £20k dividends. A 0-100 readiness score tracks credit, income, deposit, and affordability, with live market signals covering the Bank of England rate and swap-rate moves. Deep self-employed support is the wedge: the buyers the traditional process serves worst.
BUILT WITH
KEY FEATURES
A Mortgage Agent That Actually Reads the Small Print
MortgageOS turns weeks of broker back-and-forth into a conversation — and gets buyers to application day with no surprises:
Readiness, Quantified
One score from 0-100 across credit, income, deposit, and affordability — with the specific actions that move it before a lender ever runs a check
Documents Do the Work
Upload an SA302 or company accounts and Mo extracts income, spots gaps, and maps the numbers to lender criteria automatically
Self-Employed First
Ltd directors, sole traders, and contractors get lender-by-lender treatment of salary, dividends, and retained profit — the cases generic calculators get wrong
Always On
Mo answers at 10pm on a Sunday, free during beta, with no credit check and no broker fees — advice unlocked from the appointment book
"Delivering measurable impact across every metric."
Let's create something exceptional together
Whether you need enterprise transformation or rapid AI-powered development, let's discuss how we can deliver exceptional results.
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