AI 正迅速进入英国房贷市场，在这里，研究、建议与执行住房贷款被视为很有可能被颠覆的领域。Habito 前执行长 Daniel Hegarty 表示，AI 平台已经能生成非常详细的房贷分析，包括利率变动的敏感性模型，以及固定利率与浮动利率的比较；不过，他对于 Claude 之类工具在高度受监管的建议场景中竟然如此具指令性，仍感到惊讶。由于即时房贷资料，包括利率和贷款价值比上限，已广泛可在网上取得，AI 能迅速处理成千上万个放贷例子，若借款人披露财务状况，就能很快给出答案；在 Lloyds Bank 于 2025 年对 5,000 人进行的调查中，超过 1 in 5 表示他们曾用 AI 取得房贷建议。

英国约有 18,500 家房贷经纪公司，其中近一半是单人经营，而这些中介安排了超过 8 out of 10 的房贷或再融资，因此整个产业都在密切关注 AI。经纪人和银行家认为，最早的收益会出现在阅读薪资单和银行对帐单、统一文件格式，以及利用 open banking 验证支出和信用资料；更进阶的阶段则从像「你有没有考虑 X、Y 或 Z？」这类提示，一路到 AI 提出建议，再由人类顾问在送件前检查。Lloyds 已在今年下半年试点一个经纪人聊天工具，并探索向客户提供利率与申请步骤指引；而 Santander 的 David Morris 表示，长期愿景可能包括在顾问对话中加入 AI 护栏，最终形成一个更高度自动化的流程。

其回报可能是更快、较不碎片化的购屋流程：Connells 表示，报价到交换合约之间的间隔在 4 月达到创纪录的 104 天，而像 Coadjute 这样的公司在 2024 年一轮 £10mn 融资中获得 Lloyds、Nationwide、NatWest 和 Rightmove 支持，正推动基于区块链的交易系统。NatWest 和 Pexa 已完成他们的首笔再融资，耗时 2 days；Nationwide 则在 2 月开放抵押契约的数位签名，而金融行为监管局最近也将 Barclays、Lloyds 和 Experian 纳入 AI 应用的 live-test。即便如此，经纪人警告，AI 可能给出错误或过时的建议，忽略放贷机构的特殊规则，无法显示个人脆弱性，并且难以满足监管对可解释决策的要求；较可能的结果不是完全取代，而是分工：AI 处理简单的「plain vanilla」案例，而人类专注于复杂借款人，正如 Rightmove 9-month 的股价下跌与快速 AI 上线所显示的，市场已经把变化计入价格。

AI is rapidly moving into the UK mortgage market, where researching, advising on, and executing home loans is seen as ripe for disruption. Daniel Hegarty, former chief executive of Habito, said AI platforms already produced highly detailed mortgage analysis, including sensitivity models for rate changes and comparisons of fixing versus floating, although he was struck by how prescriptive tools such as Claude could be in a tightly regulated advice setting. Because live mortgage data, including rates and loan-to-value limits, is widely available online, AI can quickly process thousands of lending examples and give borrowers a fast answer if they disclose their finances; in a 2025 Lloyds Bank survey of 5,000 people, more than 1 in 5 said they used AI for mortgage advice.

The UK has about 18,500 mortgage broking firms, nearly half of them one-person businesses, and these intermediaries arrange more than 8 out of 10 mortgages or remortgages, so the industry is watching AI closely. Brokers and bankers see the earliest gains in reading payslips and bank statements, standardizing documents, and using open banking to verify spending and credit data, with more advanced stages ranging from prompts like “Have you considered X, Y or Z?” to AI making a recommendation that a human adviser checks before submission. Lloyds is already piloting a broker chat tool in the second half of this year and exploring customer guidance on rates and application steps, while Santander’s David Morris says the longer-term vision could include AI guardrails inside adviser conversations and eventually a much more automated process.

The payoff could be faster, less fragmented homebuying: Connells says the gap between offer and exchange reached a record 104 days in April, and firms such as Coadjute, backed by Lloyds, Nationwide, NatWest, and Rightmove in a £10mn 2024 round, are pushing blockchain-based transaction systems. NatWest and Pexa completed their first remortgage in 2 days, Nationwide opened digital signatures on mortgage deeds in February, and the Financial Conduct Authority recently added Barclays, Lloyds, and Experian to live-test AI applications. Even so, brokers warn that AI can give wrong or outdated advice, miss lender quirks, fail to surface personal vulnerabilities, and struggle with regulatory demands for explainable decisions; the likely outcome is not total replacement but a split in which AI handles straightforward “plain vanilla” cases while humans focus on complex borrowers, as Rightmove’s 9-month share price drop and rapid AI rollout show the market is already pricing in change.