In this episode of The Mortgage Broker Broadcast, I was joined by returning guest Ifthikar Mohammed — a chartered accountant, mortgage firm owner, and founder of two AI businesses serving the mortgage industry. Ifthikar last appeared on the podcast over a year ago, and a lot has changed since then.
Not only has he continued developing Mortgage X and the AI Toolkit, but he also launched an industry-first event:
👉 Conference of the Future 2025, focused entirely on AI in the mortgage space.
In this blog, we break down the key insights from our conversation, including:
- How the conference came about
- Why AI adoption is accelerating
- How Mortgage X and the Toolkit work
- The impact of AI on client relationships
- What the next 12 months could look like for brokers
- The opportunities — and risks — ahead
Let’s dive in.
Meet the Guest: Ifthikar Mohammed
Ifthikar began his career as a chartered accountant, running multiple businesses and later launching a mortgage firm. Originally, he started integrating technology just to make the admin-heavy mortgage process easier.
That curiosity eventually became a passion — and today he runs two AI companies designed specifically to streamline mortgage broker operations.
You can feel the enthusiasm when he talks about it. Even through audio alone, it’s clear he genuinely enjoys innovating in this space.
Why the Conference of the Future Was Created
Ifthikar recently organised Conference of the Future 2025 — a free event designed to educate brokers about practical, real-world AI applications.
His aim was simple:
👉 Show brokers what’s possible today — not theories, not hype, but actual tools they can use.
The conference covered:
- Understanding LLMs (ChatGPT, Gemini, Perplexity)
- Building no-code AI agents
- Using AI to streamline admin
- Where AI can (and can’t) fit within advice
- The risks brokers need to be aware of
- Real case studies and live demonstrations
And the feedback? Overwhelmingly positive.
Attendees wanted actionable solutions, and the event delivered. In fact, multiple firms immediately offered to sponsor next year’s event — and more than 40 people pre-registered within 24 hours.
Why AI Matters for Mortgage Brokers
One of the big points we discussed was how consumers’ daily lives are already full of AI.
Younger generations:
- Use ChatGPT daily
- Speak to Alexa and Google Home
- Expect digital convenience
- Want speed, clarity, and automation
So when they contact a broker, they expect the same level of efficiency.
As Ifthikar put it:
“If you streamline everything else, you free up time to have real conversations with clients — and that’s why they come to a broker.”
AI isn’t replacing advisers.
It’s removing friction so brokers can focus on relationships.
The Tools: Mortgage X and the AI Toolkit
Mortgage X — More Than a CRM
Ifthikar explained:
“People think Mortgage X is a CRM, but it’s far more than that.”
Its key features include:
- Voice assistant for initial enquiries
- Instant downloads of bank statements, credit files and ID
- AI-powered sourcing (up to 80% accuracy)
- Integrated criteria checking
- Automatic property AVMs
- One system that replaces CRM + sourcing + criteria tools
For brokers, this drastically cuts admin time — turning what used to take hours into minutes.
The AI Toolkit — The Real Game-Changer
This is where things get really exciting.
Here are just three of the nine tools Ifthikar showcased:
1. Zero-Inbox Tool (AI Email Assistant)
AI reads your inbox while you sleep:
- Replies automatically to straightforward emails
- Drafts replies for complex messages
- Highlights urgent tasks
- Pulls rate changes and criteria updates into a broker alert system
Imagine waking up to zero unread emails every morning.
2. Colibri — AI-Powered Discovery Tool
When speaking to a client, Colibri:
- Displays 25 fact-find questions during the call
- Removes each one when covered
- Ensures nothing is missed
- Summaries everything automatically
- Saves personal details (dog’s name, kids’ exams, hobbies)
- Turns the conversation into edited short-form video content for marketing
This bridges compliance, customer service, and content creation in one tool.
3. AI Voice Qualification
Overnight enquiries?
AI calls prospects automatically, screens them, and books appointments with qualified clients.
No wasted time.
No dead leads.
No long back-and-forth.
Why Relationships Still Matter More Than Ever
Despite all the technology, both of us agree on one thing:
👉 AI will never replace the relationship between a broker and their client.
Ifthikar put it perfectly:
“Everything around me is AI, but I still have time to speak with clients. And that’s why they keep coming back.”
Clients want:
- Trust
- Familiarity
- Continuity
- Reassurance
- Real human understanding
AI simply gives brokers more time to deliver those things.
What Does the Future of AI in the Mortgage Industry Look Like?
I asked Ifthikar directly — and put him on the spot.
His honest answer:
“It’s exciting… but also a little scary.”
Why?
Because the rate of change is unprecedented.
Tech giants could enter the mortgage process.
AI agents can already book holidays, negotiate prices, and make restaurant reservations.
Could something similar come to mortgages one day?
Possibly.
His advice for brokers:
1. Don’t panic — but do prepare.
You can’t control AI developments, but you can control your readiness.
2. Make yourself visible.
Stay front of mind through:
- Content
- Branding
- Building community
- Maintaining client relationships
3. Adopt AI early.
Use it to enhance advice — not replace it.
4. Focus on relationships.
This will always be your competitive advantage.
Final Thoughts
This conversation was full of insights, honesty and practical ideas for brokers looking to stay relevant, efficient, and client-focused in an AI-driven world.
A huge thank you to Ifthikar Mohammed for:
- Sharing his experiences
- Pushing the industry forward
- Creating free educational events
- Supporting brokers through change
- Building tools that actually solve real problems
If you’d like to connect with him:
- LinkedIn is the best place
- We’ve added all links to the show notes
- And details for pre-registering for next year’s conference