Image of Mortgagebrain logo Image of Mortgagebrain logo Image of Mortgagebrain logo Image of Mortgagebrain logo Image of Mortgagebrain logo Image of Mortgagebrain logo Image of Mortgagebrain logo

Who we are

For over three decades, Mortgage Brain has been at the forefront of mortgage technology in the UK, committed to addressing the complexities faced by mortgage intermediaries and lenders.

Our vision is to reimagine mortgage distribution, bringing about a dynamic shift that unites all key stakeholders, giving borrowers certainty earlier in their search for a mortgage.

Serving over 15,000 daily intermediary users, we’re steered by our values of working ‘better together’, with focus on ‘driving change’ and always to ‘do the right thing’.

Our robust offering includes an integrated suite of software sourcing solutions, submissions and CRM. And we’re backed by some of the largest lenders, Barclays, Lloyds Bank, Nationwide Building Society, NatWest Group, Santander, and Virgin Money.

Our values

Better together

Togetherness, collaboration, and teamwork make a real difference. It’s how we do business whether it’s with colleagues, customers, partners, or the whole mortgage community. We unite a diverse range of perspectives, people, and ideas for better customer outcomes.

Driving change

We don’t stand still. Nor do we create change for the sake of change. We lead the way with creative thinking and innovation because we love a challenge and the determination and agility that requires. To achieve our goals, we work smarter and faster, pushing our own boundaries and focusing on incremental positive improvement.

Do the right thing

Our existence is to the benefit of society. Maintaining integrity is vital. As a company and as individuals, we are honest and accountable in all we do. We foster trust through transparency, build strength with open communication, and cultivate inclusion by championing one another.

Why choose us?

Our numbers speak volumes


years in the mortgage industry


UK based customer support




active users of Mortgage Brain products and services


ESIS reports produced in the last year


of all UK mortgages are displayed on Sourcing Brain

Our group history



Humble beginnings

In 1986, Mortgage Brain was developed for the wife of the founder, who was a broker, and the first sourcing system for advisers in the UK mortgage market was born.

ABout mortgage brain - colour illustration of manager giving a wotask to a colleague


A business odyssey

As Mortgage Brain grew, a consortium of six large lenders recognised the potential of the rising technology business and decided to acquire it.

Banner showing all 6 Mortgage Brain owner logos


An electronic breakthrough

MTE (Mortgage Trading Exchange) became the largest single delivery method for placing mortgages in the industry. Since its launch, over 2 million transactions have been processed via the platform.

About Mortgage Braine - coloured MTE logo


The key years

The Key (a CRM and back-office system) was founded and then acquired by Mortgage Brain, which became the most widely used Client Relationship Management system for advisers.

About Mortgage Brain - The Key coloured logo


New beginnings

Sourcing Brain (formerly Mortgage Brain Anywhere) an online and multi-device mortgage sourcing system is developed to meet the growing demand from mortgage advisers.

About Mortgage Brain - Sourcing Brain logo in Mortgage Brain branded colours


AE3 Media

AE3 Media is acquired by Mortgage Brain. The combination of the two businesses enables the enhancement of mortgage distribution.


Criteria sourcing

The acquisition of Criteria Hub (now Criteria Brain) enabled advisers to match the criteria of lenders to the needs of clients quickly and easily.

About Mortgage Brain - Criteria Brain logo in Mortgage Brain brand colours


Affordability sourcing

Affordability Hub (now Affordability Brain) launched, allowing brokers to gain results from numerous lenders’ affordability calculators in less than a minute.

About Mortgage Brain - Affordability Brain logo in Mortgage Brain brand colours


New vision

New Mortgage Brain Executive Board formed with a vision to reimagine mortgage distribution.

About Mortgage Brain - coloured head and shoulder photos of Mortgage Brain directors


& beyond

Mortgage Engine acquired, creating new industry plumbing ensuring lenders can connect to multiple distributors and aggregators, and allowing distributors greater efficiencies to integrate with lenders.

About Mortgage Brain - Mortgage Engine logo in colour

Working at Mortgage Brain

Make a real difference

We’re looking for special people like you. Imagine this. The huge sense of achievement when your skills have been an essential part of a team that has created a better, more efficient way of working for time-poor mortgage intermediaries.

Every day poses a new challenge. That’s what makes it exciting, never boring. And you’ll be surrounded by like-minded people who enjoy a diverse and inclusive work culture, where we show each other respect.

We live by our values: Better Together, Positive Change, and doing The Right Thing.  We reward our people with competitive salaries and benefits package. And when the time is right, we enjoy ourselves and let our hair down with fun social activities.

Why not join us?

Find out more

About Mortgage Brain - Picture of a smiling Zahid Bilgrami in a meeting

Meet the Leadership Team

Zahid is a strategist, having previously led Defaqto through a secondary management buy-out and subsequent sale to Fintel following a period of prolific growth. Prior to this, he led the corporate strategy development and M&A execution for a FTSE 100 corporation. He holds an MBA with distinction from London Business School, is a qualified Chartered Accountant, and has a Masters in wealth management.

Zahid Bilgrami

Chief Executive Officer

Alastair is an experienced Chief Financial Officer and likes to take a hands-on approach, heading up finance, legal, and HR functions. He was previously Chief Financial Officer for Defaqto, and Group Financial Controller for Glotel plc. Alastair is a qualified Chartered Accountant, having graduated from St Andrews University.

Alastair Brown

Chief Financial Officer

Previously Cloë established, developed, and launched a FinTech start-up (Mortgage Engine) to market in the UK mortgage industry which created an API platform connecting major retail lenders’ mortgage application systems to distributors. She has a customer-focused and agile product development ethos. She thrives on shaping the company’s IT strategic direction, and building relationships with lenders and intermediaries across the mortgage industry.

Cloë Atkinson

Chief Operating Officer

Neil has over 25 years of industry experience and has been with Mortgage Brain for the past 3 years, leading the customer-facing teams across Sales, Marketing, and Operations. He previously held roles in mortgage lending and mortgage distribution channels and was instrumental in the growth at Platform Home Loans (Co-operative Bank plc), between 2015-2019, transforming their mortgage operations and processing teams and delivering sales growth from £340m to over £5bn, whilst reducing average processing times by more than 10 days.

Neil Wyatt

Sales and Marketing Director

Iain is Managing Director of Mortgage Brain’s sister company AE3 Media which provides a knowledge hub for the mortgage industry through its publication ‘Mortgage Solutions’ and industry events. He was previously Publishing Director at Incisive Media with responsibility for B2B and consumer mortgage assets.

Iain Cartlidge

Managing Director, AE3

Our achievements

When we say our technology is award-winning, we mean it.

Finalist in the Best Technology Provider category in the Mortgage Strategy Awards 2024

Mortgage Strategy Awards Finalist logo

Chief Operating Officer, Cloë Atkinson, named one of Mortgage Intelligence's Elite Women of 2024

Mortgage Intelligence Elite Women medal

We take mental health seriously. We've signed the Mortgage Industry Mental Health Charter.

Mortgage brokers ranked Sourcing Brain, Criteria Brain and Affordability Brain in the top 3, December 2022

Five-time winners of 'Technology Advocate' at the Money Age Mortgage Awards

Six-time winner of 'Technology Advocate' at the British Mortgage Awards

Founders of Mortgage Vision, the largest industry roadshow event. Now in its 16th year.

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