Brokers Adopt AI as FCA Pressures Mount — JammJar Leads New Wave of Adviser-Centric Tools
03 July 2025
With the FCA consulting on advice-free mortgages and Consumer Duty raising the bar for compliance, UK brokers are turning to AI to stay competitive — but only tools designed for real-world advisory work will cut through.
The UK mortgage industry is on the cusp of transformation. In 2024, over 85% of all mortgages were broker-arranged, but advisers face growing pressure — from regulators, rising costs, and clients demanding more digital experiences.
While the average adviser completes around nine mortgages a month, they waste over 14 hours per week on repetitive admin, duplicated data entry, and manual case handling. Compliance demands are rising, margins are tight, and the FCA is now consulting on rules to allow mortgages without formal advice.
In response, brokers are starting to embrace AI. But not all tools are fit for purpose.
“There’s a real risk that brokers get left behind as the market digitises,” said Karl Griffin, Founder and CEO of JammJar. “The firms that adopt smart, purpose-built AI tools will be the ones who grow, stay compliant, and deliver better advice — without burning out.”
Adviser-First AI Platform Launches to Transform Mortgage Workflows
One of the most eye-catching platforms is JammJar, which launches today following months of adviser-led development. Backed by Haatch and FSE Group, JammJar is the first AI-native platform to focus on the most time-intensive and insight-critical parts of the broker’s day: phone calls, emails, CRM updates, and compliance admin.
“Before JammJar, our process was really admin-heavy. In New Build, speed is everything — but we were juggling spreadsheets, multiple systems, emails and phone calls, and passing cases between team members just to keep up.
With JammJar, the difference is night and day. As soon as one of our advisers finishes a call, the AI writes up the Fact-Find — automatically and accurately, without anyone typing a word. We can then share that with the customer via the secure portal so they can fill in any remaining gaps. The whole thing takes seconds.
It means no more delays, no manual notes, no blank forms emailed back and forth, and no more chasing missing data.
We’re excited about our partnership with JammJar. Having complete, up-to-date customer records from the very first conversation gives us the clarity and control we need to grow. More importantly, it helps us deliver the fast, frictionless experience our clients expect.”
- Felicity Chappell, Director of Mortgages at Mortgage Select (SW) Ltd
A Broader Movement Is Building
It’s not just one firm. Others across the industry are already putting AI to work — speeding up admin, improving compliance, and freeing advisers to focus on advice, not paperwork.
“At Connect, we’re integrating AI in a practical, thoughtful way to enhance both adviser efficiency and customer outcomes without losing the human touch that remains vital in mortgage advice. We’ve already deployed AI tools for client document analysis, compliance reviews, and meeting transcription, allowing our advisers to spend more time advising and less time on admin.
Early feedback has been promising; record-keeping processes are quicker, and advisers now benefit from deeper client understanding thanks to AI-generated summaries and notes.
We also use AI to support content creation and the development of internal tools that make complex workflows more manageable.
Our approach to AI is structured and responsible. We operate under a defined AI policy, use a secure team ChatGPT account, and run all document handling via BOX through API connections to safeguard data. While our clients don’t interact with AI directly, the benefits are clear in a faster, smoother mortgage journey.
We’ve established an internal AI Champions group to help explore and pilot new use cases, with a focus on removing friction from the advice process. As we continue assessing each workflow across the business, our goal is to apply AI wherever it helps make the experience better — both for brokers and for the customers they serve.”
- Liz Syms, CEO of Connect for Intermediaries and Chair of the Society of Mortgage Professionals
“As the industry and regulators grapple with how AI and its relatives should be applied, it is good to see initiatives like this focused on the consumer and the adviser. Combining quality advice with clever technology is what will begin to differentiate firms in the next five years. The journey has begun — keeping everyone included and their information safe will be the gold standard.”
- Robert Sinclair, Mortgage Industry Consultant
Waitlist Opens Today
JammJar is now accepting registrations from firms who want to join the next wave of onboarding. Advisers familiar with the system report significant time savings, better oversight, and greater confidence in their data — from first contact through to completion.
The team says the platform is designed not to replace advisers, but to help them thrive — by removing friction, improving clarity, and allowing brokers to focus on advice, not admin.
“This isn’t about replacing the adviser — it’s about making space for better conversations, better records, and better outcomes,” said Karl Griffin, CEO of JammJar. “We’re equipping brokers with the tools to scale and serve more clients — and we hope to also help lenders innovate and open up access to homeownership through more diverse products that meet the needs of underserved would-be homeowners.”
About JammJar
JammJar is a UK-based AI-powered platform built for mortgage advisers. It automates admin, supports compliance, and helps brokers scale their business without sacrificing service or control. Backed by Haatch and FSE Group, JammJar is now open to new firms via the waitlist at www.jammjar.com.
