Meet Molly AI
Mortgage questions don’t always arrive during office hours.
Molly AI is Mortgage321’s 24/7 AI mortgage assistant, designed to give you quick, plain-English information about UK mortgages whenever you need it.
Molly AI provides general mortgage information, not personalised regulated mortgage advice. When you need advice about your own circumstances, Matthew takes over.
Available 24/7AI when it’s useful. Human advice when it matters.
Molly AI makes it easier to get answers to general questions. Matthew Pigrome CeMAP provides the personalised mortgage advice and recommendations.
Why we created Molly AI
Mortgage questions don’t only arise when you’re ready to make an application. Sometimes you simply want to understand what something means before deciding what to do next.
Molly AI gives you somewhere to ask those questions at any time, without having to complete a form or start a mortgage application.
If the question becomes specific to your circumstances, Molly AI can point you towards Matthew.
Things you can ask Molly AI
No forms, no sign-up — just ask.
What Molly AI is good at
General information from Molly AI. Regulated advice from Matthew.
Explain
Mortgage terminology and concepts in plain English.
Examples: LTV, ERC, fixed rates, variable rates, affordability, deposits.
Explore
Help you understand general mortgage topics before speaking to an adviser.
Examples: Self-employment, credit history, buy-to-let, remortgaging.
Find
Point you towards useful Mortgage321 guides, calculators and information.
Molly AI or Matthew?
Molly AI is for information. Matthew is for advice.
Ask Molly AI
“I just want to understand something.”
- What does this mortgage term mean?
- How does this process normally work?
- What can affect affordability?
- How might credit history matter?
- What is buy-to-let?
- What documents are commonly required?
Ask Matthew
“I need to know what I should do.”
- How much can I borrow?
- Which lender should I use?
- Which mortgage is right for me?
- Will my credit history cause a problem?
- Why have I been declined?
- Should I choose a 2-year or 5-year fix?
- Is this property acceptable?
- Should I consolidate borrowing?
- What should I do next?
What Molly AI doesn’t do
- Molly AI doesn’t recommend a mortgage.
- Molly AI doesn’t decide which lender you should use.
- Molly AI doesn’t tell you whether a mortgage is suitable for you.
- Molly AI doesn’t approve mortgage applications.
- Molly AI doesn’t replace a qualified mortgage adviser.
Those are jobs for Matthew.
When you need advice, there’s a real person behind Molly AI
Matthew Pigrome CeMAP
Founder & Principal, Mortgage321
35+ years in financial services
Molly AI can help with general questions, but Matthew remains responsible for the personalised mortgage advice provided by Mortgage321.
From a question to a conversation
Ask Molly AI
Start with whatever mortgage question is on your mind.
Decide whether you need personal help
If it’s a general question, you can simply continue chatting.
Discuss your case with Matthew
If you want advice about your own circumstances, use Discuss My Case and Matthew can take it from there.
Your privacy
Please don’t enter passwords, card details, banking security information or other sensitive security information into Molly AI.
Conversations may be stored and reviewed in accordance with Mortgage321’s Privacy Policy, which explains how your use of Molly AI is handled.
Have a mortgage question?
Ask Molly AI for general information, or tell Matthew about your own circumstances if you’re ready for personalised help.
Use Molly AI online at any time, and speak to Matthew by phone, video or WhatsApp when you need personalised advice.
Mortgage321 is a trading style of Matthew Christopher Pigrome, an appointed representative of Ingard Financial Limited, authorised and regulated by the Financial Conduct Authority No. 450731. Molly AI provides general information only and does not provide regulated mortgage advice. Your home may be repossessed if you do not keep up repayments on your mortgage.