MPowered says it has become the first UK mortgage provider to expose its affordability calculator directly to large language models (LLMs).
It believes its decision will redefine how consumers interact with financial products in an increasingly AI-led digital landscape.
The announcement signals a broader shift in how lenders think about their online presence. As AI-powered assistants take over more search functions from traditional browsers, MPowered believes financial providers must prepare for a world where websites are queried more often by machines than humans.
“We’re not just optimising for mobile or web anymore, we’re actively building for an LLM-first internet,” said Jake Atkinson, director of growth at MPowered.
“This is about making sure that when your AI assistant goes looking for mortgage information, it can talk directly to the source. Safely, accurately, and in context.”
MPowered’s calculator is now exposed via the Model Context Protocol (MCP), an emerging standard that allows LLMs to access and interpret live data securely. In practical terms, this enables AI assistants to deliver tailored borrowing estimates to users in natural language, without relying on screen scraping, outdated summaries, or indirect third-party platforms.
Stelios Constantinidis, director of AI at MPowered, described the MCP as “rapidly becoming the standard for how models safely interface with live, trusted data sources”. He added that the integration enables lenders to share key functionality with AI tools without compromising on data integrity or context.
The move forms part of a broader strategy by MPowered to embed AI and automation more deeply into the mortgage process. The lender confirmed this would be the first of several MCP integrations planned over the coming months.
Developed in collaboration with MQube Technology – the firm behind MPowered’s core lending platform – the MCP server ensures that affordability calculations can be performed in real time, using accurate and current lending criteria delivered securely to AI systems.
