Our story

We built Kivo because mortgages don't have to be this confusing

The UK mortgage market is worth over £1.5 trillion, yet most first-time buyers go into the process completely blind. They don't know what they can borrow, what lenders actually look for, or how to improve their situation. We decided to change that.

Our mission

Make home buying accessible to everyone, not just those who already know how it works

Right now, having a well-connected family member or a good accountant gives you a huge advantage in the mortgage process. That's not fair. Kivo levels the playing field — giving everyone access to the kind of clear, personalised guidance that was previously only available to the privileged few.

Start for free

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Radical transparency

We explain everything. No hidden fees, no confusing small print, no surprises.

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People first

We guide — we never pressure. Your timeline is your timeline.

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Privacy by design

Your data is yours. We never sell it, share it without consent, or use it to advertise to you.

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Genuinely useful

Every feature we build has to make your mortgage journey measurably better. If it doesn't, we cut it.

The team

Built by people who've been there

Our team combines deep fintech experience with lived experience of the mortgage process being needlessly hard.

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Alex Morgan

Co-founder & CEO

Former product lead at a major UK lender. Spent 8 years watching great applicants get turned down for fixable reasons. Built Kivo to fix that.

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Sam Patel

Co-founder & CTO

Previously at a leading Open Banking provider. Believes data should work for people, not against them. Handles everything technical.

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Jamie Clarke

Head of Mortgages

CeMAP-qualified mortgage adviser with 12 years in the industry. Makes sure every piece of advice Kivo gives is grounded in how lenders actually think.

Our journey

How we got here

2023

The idea

After watching a close friend get turned down for a mortgage for reasons nobody had explained to them, we started asking: why doesn't this information just exist, clearly, for everyone?

2024

Building the foundation

Months of research, conversations with hundreds of first-time buyers, and deep dives into how lenders actually make decisions. The Kivo Score methodology is born.

2025

Launch

Kivo launches. Early users start reporting that their scores improved, they got better mortgage advice, and — most importantly — they finally understood what was going on.

Now

Growing together

We're expanding Kivo for Advisors, adding new tools, and working towards a world where nobody is ever left confused about their mortgage journey again.

Want to join us?

We're building something important. If that sounds like your kind of mission, we'd love to hear from you.

Get in touch