Wading through treacle
If you work in the mortgage industry, you'll know that navigating lender criteria can feel like wading through treacle — slow, opaque, and with hidden pitfalls under the surface. I know, because I've done it.
Two years ago, I became a mortgage broker. Large parts of the job were fun. It was my first time working with individuals rather than businesses, and there was enormous satisfaction in helping people buy the house they wanted — often genuinely moving. But I found myself spending hours combing through fragmented documents, obscure footnotes, and clunky tick-box filters on legacy criteria systems. And still, I'd be blindsided halfway through an application by a missed requirement or a hidden exception.
It wasn't just inefficient. It meant constant anxiety that I'd let a client down or miss an opportunity.
Jonathan Gittos · Co-Founder — a former mortgage broker
Say yes to more cases, faster
That frustration is what led to Mozzle.
Mozzle is an intelligent search engine for mortgage lending rules. It brings together plain English search, much deeper data, and scenario-based reasoning to do one thing: help brokers say yes to more cases, faster.
10× more criteria fields
Why Mozzle matters
Mozzle doesn't just help you find the right lender — it shows you why they fit, and finds opportunities other tools miss.
- Most criteria engines map ~600 standardised fields. Mozzle maps up to 10x more.
- Other tools rely on binary tick boxes. Mozzle uses intelligent matching based on the full case scenario — even for complex cases.
- Where traditional research might take 20–30 minutes, Mozzle delivers ranked, verified results in under three.
Results in under 3 minutes
A tool built by brokers, for brokers
Mozzle was designed from the ground up to reflect how brokers actually work. There's no new interface to learn. No form fatigue. Just type your query in plain English:
My client is 45, looking to borrow £500,000 on a £950,000 flat which is ex-local authority, in a 12-storey block, 40% owner-occupied, with an A2 EWS1. Who would be the best lender?
Mozzle breaks that into multiple criteria, runs the relevant calculations, and returns a ranked list of matched lenders — with links to the underlying source material, so you can verify the detail yourself.
And it's fast:
- Save up to 90% of your criteria research time
- Handle 30–40% more complex cases with no additional admin
- Place the tricky deals you'd otherwise walk away from
Best-fit, flagged automatically
And it helps lenders and networks, too
Lenders invest huge effort trying to educate brokers about where their criteria stand out — whether that's flexible income treatment, niche property types, or human underwriting. But with thousands of brokers and constant product change, standing out is hard.
Mozzle makes that easier. It illuminates a lender's strengths, automatically flagging where they are a best-fit match. That means:
- Less time spent repeating the same criteria answers
- More of the right cases submitted
- Better visibility for niche propositions
- And ultimately, a faster, more efficient path from broker query to completed case
30–40% more complex cases
What's next
Mozzle is currently in soft launch with a group of early users — and the results have been hugely promising. Brokers are placing more deals, reducing time-to-offer, and advising with greater confidence.
If you'd like to be part of the next wave of early access users — or you're a lender or CRM platform interested in partnering — we'd love to hear from you.
A quiet revolution in mortgage advice
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Be part of the next wave
Join early access, or partner with us as a lender or CRM platform.
hello@mozzle.coMozzle is the beginning of a quiet revolution in mortgage advice — one that we hope makes your work faster, easier, and more rewarding.
Jonathan Gittos — Co-Founder
A sly nod to our roots
Why the name?
It's Cockney rhyming slang based on two Yiddish words: Mozzle and brocha — door knocker. Good luck and good health, and a slang expression for a door-to-door salesman. And a sly nod to our roots.