Our Story

Mission Statement

Increase the weight of Britain's wallets. With fast & impartial advice by mortgage experts aided by cutting edge technology..

Remortgaging Just Got Easier

A typical British homeowner has an unnecessarily tricky time remortgaging. The options are to:

• Rate Switch with the current mortgage lender. Most borrowers therefore not getting the best products and savings available in the market as a whole.
• Remortgage with a broker. With home visits (or office visits), no online service platform and typically fees ranging from £395 to £1,000.
• Comparison Websites. That is often a bait and switch, given the systems are not advanced enough to disqualify products that are not applicable.

Enter, Cyborg Finance.

We launched and designed our systems with remortgaging as a priority. Our website is full of remortgaging articles, our onboarding application asks only relevant questings, our client portal is allowing upload of documents and our Qualified Advisers with tools designed to process applications. Fast and Transparent Impartial Advice.

No more trips to the bank or broker, no messy paperwork and less confusion.

Better than your bank, giving holistic mortgage advice. Better than comparison websites with real adviser led recommendations. Better than your typical broker with online systems, no waiting rooms and meetings.

Low Overheads, High Competitiveness

Our systems-built in-house. Mortgage Systems are designed for ease of client onboarding and adviser efficiency. We minimised 3rd party costs by running open-source software internally, enabling cost-saving measures to be passed on to our clients.

You can read more about Our Technology and methodology.

It's about service, not technology

Disruption Starts with Unhappy Customers, Not Technology. At the forefront of our delivery of mortgage advice is service. We develop our tools to enhance our service to deliver for happy clients.

It's not "look at what we built" but "look at how it helps us serve our clients".

Why "Cyborg"?

The definition is "a person whose physical abilities are extended beyond normal human limitations by technical elements built into the body."

We don't require our mortgage advisers to undergo surgery (not just yet). Except our technology is one that extends an advisers limitations.

It's also the middle way of the argument of the future of mortgage advice. As the market battles with Traditional Advice v RoboAdvice, our view is they both have downsides. We implement the best of both visions of the future.

Real Human Mortgage Advisers, aided by our technology. Cyborgs..

Who are you?

I am Mark Hosker, after serving in the military, I entered Financial Services, which was 35 years ago. I founded in 1999 one of the first mortgage advice companies. With the last ten years as CEO of a firm specialising in difficult cases for property investors.

Though it's not just me, we have a vastly experienced mortgage adviser and a technical team. We are based up north, so your typical straight-talking northern Cyborgs.