Mojo Mortgages

review: is it any good?

Updated on
December 28, 2023

In a nutshell

Mojo Mortgages will get you a mortgage for free. They can search every mortgage out there to find the right deal too. However, the customer service isn’t great, and it’s not suited for complicated cases. There’s better alternatives. 2 stars from us.

Our rating

Mojo Mortgages rated 2 stars

Mojo Mortgages

cracked open 🥥

Finding the right mortgage for you can be pretty difficult – there’s over 20,000 mortgages out there, so comparing mortgages can be pretty difficult! So using a mortgage broker who can find the right deal for you is highly recommended, and that’s exactly what Mojo Mortgages are, a mortgage broker – except they’re online – so everything is handled on their website, rather than over the phone or in-person.

Mojo Mortgages review

It’s a great concept, and makes things way easier. You can fill out your details on their website whenever suits you (maybe while watching TV), and speak to their mortgage advisors over live-chat on the website, rather than over the phone or heading into an office for a face-to-face meeting (how old school!).

Mojo online mortgage broker

However, Mojo Mortgages aren’t necessarily unique by offering this. They’re the latest broker to pop-up, but there are others, the first and much more highly rated is Habito¹ (here’s our Habito review), and there’s also Tembo and

With Habito, they can actually handle the whole process of buying your home for you too – so the legal work and surveys, it’s pretty handy, and a big stress saver.

Let’s run through Mojo Mortgages in a bit more detail and see if it’s right for you.

How Mojo Mortgages works

When you first get started, you’ll have to fill out your details on their website, so 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 if you’re buying a home (such as the property value).

Mojo Mortgages website

Once you’ve completed all of that, you’ll then have the option to speak to one of their mortgage advisors. They’ll check all your details and learn a bit more about you, then they will get to work looking for the best mortgage for you.

This can take a while, depending on how busy they are, so expect a few days at least – and you should get a message saying your mortgage quote is ready for you to review.

If you like the mortgage they recommend, they’ll then go ahead and apply for this mortgage on your behalf – and hopefully the mortgage lender will accept your application. Then it’s time to get everything else in order! 

That’s your conveyancer (legal stuff) and building survey, and anything else that might have cropped up. (We recommend checking out Habito¹ here, they’ll handle everything for you, which can be a massive weight off your shoulders).

And that’s it. Job done. All for free, and hopefully a great mortgage deal you’re happy with.

Buying a home?

Check out Habito – they'll take care of everything for you, you just put your feet up and relax.

Visit Habito¹Visit Habito¹

How much is Mojo Mortgages?

The good news is that Mojo Mortgages is completely free!

Free online mortgage broker

There’s no fees to get your mortgage at all. Most traditional brokers, such as those who deal face-to-face and over the phone often charge you a fee – which can be around £500, and sometimes a lot more, so you’re saving quite a bit.

All brokers get paid a commission from the mortgage lender when they get a mortgage for you – but with online mortgage brokers (Mojo Mortgages isn’t the only one who are free, all the best online mortgage brokers are) – they can handle more customers at a time, as everything is managed on their website, and over live-chat. Whereas a face-to-face broker would have to spend most of the day speaking to just a few clients.

Other fees

This doesn’t mean that everything is fee free though, the mortgage lender may still charge a fee when you get the mortgage (often called an arrangement fee), and you’ll have to pay fees for the legal work (conveyancer) and a building survey, and arrange these yourself.

As we’ve mentioned before, it’s worth checking out Habito¹ as they’ll handle the whole process for you, so you don’t have to worry about additional fees and finding the right people.

Instead you’ll pay a fee for the whole process, which is roughly the same as what you would have paid anyway for all these separate services. Here’s our Habito review to learn more.

Customer service

A big drawback of Mojo Mortgages is the customer service. It’s not the best, especially when compared to other online mortgage brokers.

The communication from the advisors can take a long time, a few days at least for them to send you what they think is the right mortgage for you, and then slow responses following that.

You also can’t call them on the phone at all.

And worst of all, there’s no support at all until after you fill out all of your details and get assigned a mortgage advisor. So, you can’t just speak to someone when you first get to their website as you can with some other online brokers.

There’s also no help in the help centre section of the website, which is supposed to be there to answer any questions you might have without actually having to speak to anyone.

So overall, very poor service.

Is Mojo Mortgages safe?

Mojo Mortgages is safe to use. 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 - 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.

Mojo Mortgages customer reviews

Some customers love Mojo Mortgages, and some not so much.

On the popular reviews website, Trustipilot, it has a score of 4.6 out of 5. That seems really good on the surface, but in context with other online mortgage brokers, it’s quite low. Both Habito and have scores of 4.8 out of 5.

Mojo Mortgages Trustpilot rarting

A lot of the reviews highlight the lack of communication and slow progress on their applications, along with some mistakes when applying for the mortgage with the lender.

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.

However, we don’t recommend using Mojo Mortgages. The website isn’t great to use, the service is slow in general and there’s no customer support. When there’s an option like Habito, which is fast and offers a great level of service, then you might as well use them! 

Plus Habito will handle the whole homebuying process for you if you’re buying a home (optional), which can save a lot of stress and time. If you’re just switching mortgage deals, it’s fast and fee free too.

We're giving Mojo Mortgages 2 stars. Mainly because of the customer service. It's so important when getting a mortgage. Check out Habito¹ as we rate them 5 star, here’s our Habito review. To compare you could also check out (rated 3 star), here's our review.

Buying a home?

Check out Habito – they'll take care of everything for you, you just put your feet up and relax.

Visit Habito¹Visit Habito¹

Buying a home?

Check out Habito – they'll take care of everything for you, you just put your feet up and relax.

Visit Habito¹Visit Habito¹

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