Welcome to Moxim

Know where you stand on a mortgage

At Moxim, we believe you should be able to see where you stand on a mortgage clearly, honestly, and from your own data. We are building an Open Banking-powered mortgage-readiness layer: an illustrative read of your affordability, and a portable credential you own and can take to any broker.

We showed our work at the FCA Mortgages TechSprint 2025. We are not yet PRA-authorised or FCA-regulated — everything we show today is illustrative and educational, never a quote, an offer, or a lending decision.

What We're Building

Our platform draws on five data sources to build a readiness picture in minutes, not weeks:

• Open Banking — real transaction history from your bank accounts, read-only and with your consent
• Government income records (HMRC) — income sourced directly from tax records
• Credit Bureau — soft credit check with no footprint
• Identity Verification — digital identity verification with anti-money-laundering screening, via a DIATF-certified provider
• Property Data — automated valuation and risk assessment

For Brokers

We're preparing to launch our broker pilot, giving mortgage intermediaries clients who arrive with a portable readiness credential — an illustrative, AI-assisted readiness picture that cuts manual verification work, not a regulated affordability assessment.

Stay tuned for more updates as we progress toward our broker pilot launch.