Mortgages

The Mortgages module provides end-to-end management of mortgage lending, covering the entire product lifecycle, from application and underwriting through to completion, disbursement and post-completion servicing. The solution supports multiple mortgage products, with fixed-rate, variable-rate or mixed-rate repayment plans that can be configured according to customer requirements and the institution’s credit policies.

The system provides structured management of all key operational stages, including simulations, document collection, creditworthiness assessment, mortgage security management, contract execution and loan disbursement. It also provides comprehensive support for post-disbursement activities, including renegotiations, mortgage transfers to another lender, early repayments, changes of borrower, mortgage assumptions, loan splitting, succession cases, and the management of exception cases or insurance claims.

The platform operates on an omnichannel basis, providing dedicated interfaces and workflows for customers, relationship managers, branches and back-office teams. It delivers a high level of process automation through the orchestration of operational tasks, deadline and milestone monitoring, and performance control.

Thanks to its highly parameterised model, the module enables the tailored configuration of financial terms, pricing rules, commissions, and ancillary services, including both insurance and non-insurance products. The solution can be integrated with banking front-end and back-office systems and includes functionality supporting accounting processes and regulatory compliance requirements.

The module’s capabilities are currently being enhanced through the introduction of agentic AI, enabling integration with customers’ AI capabilities in line with the usability standards expected by the market.