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UK-based brokerage Mojo Mortgages has reported strong growth and operational improvements through a hybrid advisory model combining human expertise with artificial intelligence, according to its chief executive Andy Oldham. Based on an analysis of Companies House data tracking brokers with revenues exceeding GBP 1 million between 2022 and 2024, the firm recorded a three-year compound annual growth rate of 102%, with revenues rising from GBP 3.5 million to GBP 14.2 million. The approach integrates automation tools across advisory functions, reducing administrative workloads and improving productivity. The model also supports faster customer processing and increased advisor capacity. The development reflects a broader shift within the UK mortgage sector towards technology-enabled advisory frameworks that balance digital efficiency with personalised guidance.
Mojo Mortgages has outlined a hybrid mortgage advisory model combining artificial intelligence with human expertise, as chief executive Andy Oldham highlighted operational and financial gains achieved between 2022 and 2024 in the UK mortgage market. The approach, described as an augmented broker framework, was developed to address administrative inefficiencies while maintaining personalised customer engagement. Advertisement
The brokerage reported a three-year compound annual growth rate of 102%, with revenues increasing from GBP 3.5 million to GBP 14.2 million over the period, based on Companies House data covering firms with annual revenues above GBP 1 million. The company attributed this expansion to a combination of strategic distribution partnerships and the integration of artificial intelligence tools across its operations.
The firm established partnerships with major UK consumer platforms, including Uswitch, Confused.com, Money.co.uk, and Zoopla, which contributed to lead generation and customer acquisition. Alongside this, the brokerage deployed automation technologies to streamline internal workflows, particularly in data processing and compliance monitoring.
Artificial intelligence tools, including large language models, were integrated to automate the population of lender portals directly from customer relationship management systems, reducing manual data entry time by more than 50%. The firm also implemented AI-driven analysis of all customer calls for compliance and performance monitoring, which reduced quality assurance-related administrative time by approximately 90%.
These operational efficiencies translated into higher productivity per advisor. The company reported that average revenue per mortgage advisor reached GBP 203,000 in 2024 and increased further to GBP 240,000 in 2025, representing an 18% rise. The brokerage indicated that removing administrative burdens allowed its team of around 70 advisors to focus more on advisory functions, thereby improving overall output.
Customer-facing processes were also adjusted through automation. The firm introduced systems that continuously monitor mortgage rates during the application process, enabling identification of more competitive deals and generating annual customer savings estimated at over GBP 4.5 million. Additionally, a booking system was implemented to segment cases by complexity, allowing shorter consultations for straightforward transactions and improving advisor capacity by around 20%.
The company maintained that customer experience remained central to its model, noting a Trustpilot rating of 4.8 out of 5 as evidence of continued reliance on human advisory support despite increased automation. The strategy was positioned as a balance between technological capability and expert guidance rather than a shift towards fully automated advisory systems.
Looking ahead, the brokerage indicated that it plans to expand its use of artificial intelligence and strengthen its partnership network through the remainder of the year, as part of efforts to refine operational efficiency and maintain growth within an evolving mortgage market.
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