Mojo Mortgages


Is it any good?

Christopher Dowling
June 12, 2024

In a nutshell

When it comes to mortgages, Mojo Mortgages really put their ‘Mojo’ into it. They’re a great mortgage broker who can find you the very best mortgage deal, all for free, online (and phone), and with friendly service. We’re giving it a solid 5 stars.

Nuts About Money rating

Mojo Mortgages rated 5 stars

Mojo Mortgages

cracked open

Finding the right mortgage for you and your circumstances can be pretty difficult – there’s over 20,000 mortgages out there, from lots of different lenders (companies such as banks), all suited to different types of people and the homes they’re buying.

So, using a mortgage broker who can find the right deal for you is highly recommended (we think it's pretty much essential in fact), and that’s exactly who Mojo Mortgages are – they’ll compare all the different mortgages out there to find the very best one for you, based on your circumstances.

And, they’ll even handle all the paperwork to go with it, so you don’t need to worry about a thing. Well, you can still worry, but about the fun things, such as which colour to paint the walls in your brand new home.

Mortgage broker

In fact, they’re so good at comparing mortgages, the business itself was bought by the company behind the big comparison websites Uswitch and!

With Mojo Mortgages, the process starts online, via the Mojo Mortgages website. Next, you’ll be assigned a qualified mortgage advisor to discuss things like the home you’re buying, and your personal circumstances, so they know all the right details to get the best deal for you (all over the phone). And if you’re happy with the mortgage they recommend, Mojo Mortgages will go ahead and sort everything out for you, handling all the paperwork and everything else that comes with the mortgage.

Mojo Mortgages review

Note: you won’t be able to compare the mortgages yourself online, your advisor will do that for you (it’s not often a good idea to do it yourself as the banks tend to manipulate the rates and fees to look cheaper than they actually are).

Sounds pretty good right? Let’s run through the details in more detail to see if they’re the right online mortgage broker for you.

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How Mojo Mortgages works

When you first get started, you’ll have to fill out your details on their website – that’s information about you, and then a bit about what sort of mortgage you’re after and a bit about the property you’re looking to buy (such as the property value).

Mojo Mortgages website

Once you’ve completed that, which can take around 15 minutes, you’ll then have the option to speak to one of their mortgage advisors, which are called ‘mortgage experts’, and are all fully qualified.

They’ll check all the details you've filled out online and learn a bit more about you, then they’ll get to work searching for the best mortgage for you.

It’s not necessary immediately, your mortgage expert will take some time to find the perfect mortgage, which can be a few days (they’ll get back in touch when they've found them).

If you like the mortgage they recommend (they'll give you a few top choices), they’ll then go ahead and apply for this mortgage on your behalf – and you'll be assigned a case manager to handle the rest of the application for you – such as speaking to the mortgage lender, and sorting all the paperwork.

They’ll also do things such as chase the lender to make sure they’re not taking too long (some mortgage lenders can be slow!).

And that’s it. Job done. Mojo Mortgage’s service is free, and you get a great mortgage deal you’re happy with.

Nuts About Money tip: while your mortgage is getting sorted, and if you’re buying a new home, it’s a good idea to get everything else sorted, such as your conveyancer (legal stuff when buying a property) and a building survey if you need one (to check that the property is all in order) – and even things like life insurance to cover your mortgage should the worst happen. Mojo Mortgages can help here if you need any support.


About Mojo Mortgages

Mojo Mortgages have been around since 2016, and have helped 10,000s of people find the best mortgage for them – with an amazing 95% success rate (of people getting a mortgage – that’s very high).

They’re an independent mortgage broker (whole of market), which means they can search pretty much every mortgage out there in order to find the right one for you, that’s more than 70 mortgage lenders and 20,000 mortgages (that constantly change).

Whole of market mortgage broker

If they weren't independent, they’d only be able to recommend mortgages that were part of their own company, or a few lenders. For instance, if you walked into your bank on the high street, they’d only be able to offer mortgages from the bank itself (which is not recommended! It’s best to use a mortgage broker who can find all the great deals out there).

Mojo Mortgages is part of a company called RVU, having been bought in 2021, and which owns the big brands Uswitch, and – you might be familiar. And they’re great options for comparing things such as car insurance.

Mojo Mortgages fees

Great news! Mojo Mortgages is completely free!

The mortgage isn’t of course (from the lender), but all the advice and work the mortgage expert will do for you is completely free.

Most traditional brokers, such as those who deal face-to-face and handle everything over the phone often charge you a fee – which can be around £200-£1,000, so you’re saving quite a bit. As Mojo Mortgages is an online broker (mostly), they don’t need to charge a fee.

Mortgage broker fees

They still make money – all brokers get paid a commission from the mortgage lender when they get a mortgage for you – but with online mortgage brokers, they can handle more customers at a time, as everything is managed on their website. Whereas a face-to-face broker would have to spend most of the day speaking to just a few clients.

Other fees

Even though Mojo Mortgages is fee-free, this doesn’t mean that mortgages themselves are fee-free though, the mortgage lender may still charge a fee when you get the mortgage (often called an arrangement fee), on top of the interest on the mortgage, and you’ll have to pay fees for the legal work (conveyancer) and a building survey, and arrange these yourself (although Mojo Mortgages can point you in the right direction).

Mortgage experts

Once you’ve signed up on the website, and filled in your details, you’ll be matched with a mortgage expert, who is a fully qualified mortgage advisor, with at least 2 years experience.

They’re experienced in arranging a range of mortgage types, such as buying a home, moving home, remortgaging (switching deals), and buy-to-let (renting out your home). So depending what you’re looking for, you’ll be matched with the right specialist (they all work for Mojo Mortgages).

Mojo Mortgage remortgage

They’ll be your point of contact to start with, and will find the right mortgage for you – you can chat to them over the phone, or via email, and will act quickly to find the best mortgage quote.

Note: you don’t have to commit to any mortgage deal until you’re happy, feel free to just get a ‘quote’, to see what a mortgage could look like for you.

Once you are happy with the mortgage deal, you’ll be assigned a case manager, who will handle all the paperwork for you, and keep you up to date with the application. All sounds pretty good to us.

Is Mojo Mortgages safe?

Mojo Mortgages is very safe to use for your mortgage.

All mortgage brokers are authorised and regulated in the UK by the Financial Conduct Authority (FCA). This means they’ve been reviewed and approved to give you mortgage advice.

Mojo Mortgages are authorised and regulated by the Financial Conduct Authority (FCA)

It also means you are entitled to compensation if you believe they have given you incorrect advice and you end up with the wrong mortgage. This is typically up to £85,000 and part of the Financial Services Compensation Scheme (FSCS).

Protected by the Financial Services Compensation Scheme (FSCS) when using Mojo Mortgages

Mojo Mortgages customer reviews

Customers are big fans of Mojo Mortgages and their mortgage experts (advisors).

We like to use Trustpilot to get a good indication of how good the customer service is, and on Trustpilot, it has an excellent score of 4.6 out of 5. There’s a small room for improvement on the score, but overall it’s pretty awesome.

Mojo Mortgages Trustpilot rating

Lot’s of the reviews mention getting a great mortgage deal, and the mortgage experts being friendly and working quickly to get the mortgage.

Most of the negative reviews are about customers wanting to use the website to compare mortgage rates themselves, which isn’t possible, the mortgage expert will do the hard work and handle it all for you.

Mojo Mortgages pros and cons


  • Will find the best mortgage deal for you
  • Free mortgage advice
  • Friendly mortgage advisors
  • A lot of the process is online (saves time)
  • Handle all the paperwork for you
  • Really good customer service


  • You can only start online (not over the phone)
  • Can’t compare mortgages rates yourself
  • Not much else

Our thoughts

We are big fans of online mortgage brokers, in fact we recommend you to use one if you’re happy to handle everything on your computer or phone (if not, still use a mortgage broker, but one that is phone based or even face-to-face).

And as an online mortgage broker, Mojo Mortgages is pretty great – the website is easy to use, and guides you through the process to fill out your details – it doesn’t feel like a chore or hard work, and is pretty quick overall.

Their mortgage experts are super friendly, and will find you the best deal – what’s not to love there?! The service overall is very high.

And best of all, it’s free! So there’s no fees to pay for the mortgage advice, or any of their time, and you’ll end up with a great mortgage deal.

Overall, we’re giving Mojo Mortgages a solid 5 stars.

If you’re keen to get started, or learn more, head over to the Mojo Mortgages website.

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