MQube

The company's core offering is a sophisticated, AI-driven mortgage platform that digitizes and automates applications, significantly reducing decision times. This platform, named Origo, leverages machine learning for data extraction from documents, real-time data analysis from over 28 integrated APIs, and automated underwriting to provide faster, more accurate lending decisions. In 2021, MQube launched its own lending brand, MPowered Mortgages, which operates exclusively through mortgage brokers. MPowered serves as both a live lender in the residential mortgage market and a real-world testing ground for MQube's technology, creating a feedback loop for continuous platform improvement. This dual approach allows MQube to refine its technology, which has demonstrated the ability to reduce mortgage offer times from an industry average of 11 days to as little as 15 seconds.

MQube's business model serves financial institutions such as banks and building societies by offering its configurable technology platform to improve their operational efficiency and customer outcomes. Revenue is generated through this technology-as-a-service offering and through the mortgage products provided by its lending arm, MPowered Mortgages. The platform's key features include a flexible decision engine, a 'drag and drop' document upload function that automatically classifies files, and real-time credit commitment checks. The company has received significant backing from venture capital firms, including AV8 Ventures, IQ Capital, and JamJar Investments.