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Mortgage Broker Tools
Mortgage Broker Tools operates a research platform purpose-built for the UK intermediary mortgage market.
Mortgage Broker Tools
Mortgage Broker Tools operates a research platform purpose-built for the UK intermediary mortgage market. The firm's core tool, MBT Affordability, consolidates direct lender integrations from over 100 providers, enabling advisers to run accurate affordability assessments from a single, standardized form. The platform covers both residential and buy-to-let lending, and the firm publishes proprietary market analysis, including a recent whitepaper on mortgage affordability dynamics from both a broker and a lender perspective. The platform has been adopted by roughly one in three UK mortgage advisers, processing 3.2 million cases and supporting research on more than £750 billion in aggregate lending. The tool replaces manual form-filling across multiple lender websites with a single submission flow, which the firm's adviser testimonials cite as reducing time spent per case and improving first-time Approval-in-Principle conversion rates. Named users publicly endorsing the product include Jonathan Clark of Clark Mortgages, Julie Kennedy of Kennedy Mortgages, Jon Lord of Lord Mortgages, and Jamie Chapman of Chapman Mortgages. The platform's coverage spans the UK's residential and buy-to-let lender landscape. MBT does not disclose team size or additional office locations. The firm's public profile is limited to its website and adviser-sourced testimonials, with no visible adjacent vehicles, philanthropic arms, or disclosed professional investor backing. The platform maintains a year-on-year number-one ranking among UK affordability platforms, according to the firm's own published claims, though the survey source is not named. The firm's most recent observable operational signal is its publication of the Affordability White Paper, which frames the tool's role in both broker workflow and lender underwriting. MBT's structural differentiator lies in its position as a neutral, lender-agnostic infrastructure layer rather than a loan originator or advice firm. By embedding direct lender pricing and eligibility rules into a single broker workflow, the platform functions as a market utility — a role that makes it a distribution gatekeeper for lenders while remaining invisible to the end borrower.
General information
Firm type
Asset Manager
Year founded
—
AUM
Undisclosed
Location
Region
Europe
Country
United Kingdom
City
—
Corporate office
—
Sector focus
Frequently asked questions
Who uses MBT's platform?
MBT Affordability is used by roughly one in three mortgage advisers in the UK, according to the firm's website. The platform serves independent brokers and advisory firms that need to compare residential and buy-to-let affordability across more than 100 integrated lenders. No institutional allocator or direct-to-consumer usage is disclosed.
How does MBT Affordability integrate with lenders?
The platform uses direct integrations with lenders to pull real-time affordability criteria and lending parameters. This allows advisers to enter client details once and receive results from multiple lenders simultaneously, rather than submitting individual Applications in Principle across multiple lender portals. Specific API or data-exchange methods are not publicly documented.
Does MBT operate as a lender or a mortgage broker itself?
No. MBT provides software tools for mortgage advisers; it does not originate loans, hold lending capital, or offer advice directly to consumers. The firm's revenue model — whether subscription, per-search fee, or lender-funded access — is not disclosed on its public website.
Which parts of the UK mortgage market does MBT cover?
The platform covers residential and buy-to-let mortgages across over 100 lenders in the United Kingdom. No commercial, bridging, or specialist lending categories are explicitly cited, though the firm's white paper discusses affordability trends relevant to both broker and lender perspectives.
Has MBT disclosed any institutional investment or ownership structure?
No. The firm's website and public record do not disclose backing by venture capital, private equity, or a parent company. Founders, management, and ownership structure remain unlisted in available sources.
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