The Intermediary – August 2025 - Flipbook - Page 72
Q&A
Lenderhive
Marvin Onumonu speaks with James Armitage, founder
and CEO at Lenderhive, about how brokering can embrace
the modern age
Tell us a bit about yourself and your
experience – what motivated you to
launch Lenderhive?
I started my career in wealth management, where
I helped clients make long-term financial decisions
that aligned with their values and goals.
Over time, I saw how fragmented and outdated
the mortgage process had become – particularly
when compared to the digital leaps we’d seen in
adjacent sectors like investing or banking.
Lenderhive was born from a desire to simplify
the mortgage journey, bring transparency to the
process, and empower both clients and advisers
with tools that are fast, intuitive, and built for the
modern age.
How has your experience in wealth
You emphasise both technology
and human support. How do you
strike the right balance?
Technology should enhance the human experience,
not replace it. At Lenderhive, automation takes
care of the heavy lifting – scanning the market,
checking criteria, flagging opportunities – so
brokers can focus on what they do best: giving
tailored, expert advice. The goal is a smart,
responsive platform that supports meaningful
conversations, rather than generic workflows.
management influenced the way
What makes green mortgages
you approach mortgage broking?
such a compelling opportunity for
Wealth management is all about understanding
a client’s bigger picture – it’s never just about the
product. That mindset heavily influences how we
operate at Lenderhive. We view mortgages not just
as transactions, but as pivotal financial decisions
that should be part of a broader plan.
Our platform helps advisers provide tailored
advice in real time, with contextual data that
enhances conversations – not replaces them.
What gaps in the traditional
mortgage process were you most
eager to address?
The biggest gaps we saw were inefficiency, lack
of transparency, and disjointed data. Customers
were being passed from one system or person to
another, often with little clarity or control.
We wanted to eliminate duplication, make
affordability and lender criteria instantly visible,
and surface green finance opportunities as part of
70
the default – not the exception. Lenderhive
bridges those gaps with live lender scanning, realtime Energy Performance Certificate (EPC) data,
and seamless integrations that make life easier for
both advisers and homeowners.
The Intermediary | August 2025
homeowners and brokers?
Green mortgages represent one of the few
opportunities where doing the right thing for
the planet can also make financial sense for
homeowners. Lenders are increasingly offering
better rates or incentives for energy-efficient
properties, and as awareness grows, we’re
seeing a shift in what clients value. For brokers,
it’s a chance to lead on sustainability while
differentiating their service and unlocking longterm value for clients.
How do you see the green mortgage
market evolving?
We expect significant growth. Regulation and
lender appetite are converging to make green
mortgages a mainstream consideration. We’re
already seeing lenders refine their green offerings,
and innovations like property-linked finance and
retrofit loans will likely follow.
