Two expert mortgage brokers share their insights on how tech shapes the UK mortgage market in 2025.
Technology continues to reshape nearly every aspect of our lives, including how we buy homes. In 2025, the UK mortgage industry is undergoing a significant digital transformation, with new platforms, AI-driven tools, and open banking changing how lenders assess borrowers and brokers work with clients.
To get a closer look at what this means for homebuyers and property investors, we spoke with two industry leaders: Steve Humphrey, Founder of The Mortgage Pod, and Jamie Elvin, Director of Strive Mortgages. Together, they share their expert take on how tech is improving access, speeding up decisions, and reshaping the mortgage journey in the UK.
Faster, Smarter Mortgage Decisions
In the past, applying for a mortgage could be a slow, paperwork-heavy process. Now, thanks to automation and AI underwriting, decisions that used to take weeks can sometimes be made in hours.
Steve Humphrey says open banking has been a real game changer. It allows lenders to access your financial data securely, like spending habits and income patterns, in real time, which speeds up affordability checks and reduces the need for printed bank statements.
Jamie Elvin agrees: We’re seeing faster pre-approvals because lenders can quickly analyse data from self-employed applicants, which used to significantly delay applications.
AI and Affordability: A Double-Edged Sword?
Artificial Intelligence is increasingly being used to assess risk and affordability. While this can remove bias and improve efficiency, it also introduces new challenges.
Jamie says that eliminating human discretion can be tricky, especially in more nuanced cases. That’s where mortgage brokers still play a vital role, translating complex income structures into something lenders’ systems can understand.
Steve adds that for self-employed clients or those with irregular income, tech might unnecessarily raise red flags. It’s our job to provide context and get the correct information to the right people.
PropTech & the Digital Buying Experience
PropTech platforms are revolutionising the home-buying experience. Buyers can complete the journey from virtual property viewings to AI-powered valuations from their phones.
Now, clients want everything faster and more transparent, says Steve. We’re using mortgage comparison tools that update in real time, allowing us to instantly show borrowers the most competitive deals.
Jamie points out that integration between property portals, solicitors, and mortgage brokers is becoming more seamless. In some cases, you can go from offer accepted to mortgage in principle within 48 hours, which just wasn’t possible five years ago.
Mobile-First Mortgage Advice
In 2025, more people are turning to their phones for mortgage advice. From live chat consultations to app-based updates, brokers are adapting to meet clients wherever they are.
We’ve invested in mobile-first communication, says Jamie. Clients can upload documents, track the progress of their mortgage, and ask questions, all from a secure app. It’s made the process far less stressful for them.
Steve echoes this sentiment: We still offer personal advice, but how we deliver it has evolved. People want convenience and clarity, and that’s what tech helps us offer.
Data Security & Compliance
Data protection has become a top priority as technology becomes more integral to the mortgage process.
Steve says Security is critical. We use encrypted platforms to handle sensitive information. Clients must know their data is safe, especially when sharing income, ID, and legal documents online.
Jamie adds that lenders and brokers are under more regulatory pressure to demonstrate compliance and protect against fraud. Technology helps us meet those standards and build client trust.
Looking Ahead: What’s Next?
Both brokers agree that the future of mortgage tech lies in personalisation and accessibility.
We’ll likely see more smart tools that tailor mortgage deals to each borrower’s circumstances, especially for niche groups like freelancers or portfolio landlords, says Jamie.
Steve concludes that technology can’t replace human advice but can enhance it. The goal is always the same: to help people buy homes confidently, and now we can do that faster and more efficiently than ever before.
Final Thoughts
The mortgage process in the UK has come a long way, and 2025 marks a turning point where technology and expert advice intersect more closely than ever. While online platforms and AI are improving speed and convenience, trusted guidance from professionals like The Mortgage Pod and Strive Mortgages remains essential, especially for buyers with complex needs or ambitions beyond the standard route.
Whether you’re a first-time buyer or a seasoned investor, embracing innovation and experience is the most innovative way forward in today’s mortgage market.
