Lending for Mortgages

The 100% digital journey starts here.

Most consumers begin their mortgage journey by seeking advice from their bank or a financial advisor. It's important to offer a comprehensive view of the options available and ensure that financing is responsible and complies with European consumer protection regulations such as the Mortgage Credit Directive (MCD).

Fyndoo offers a fully digital solution to support mortgage advice, ensuring transparent, responsible lending. Fyndoo's OLA  integrates easily with mortgage advice tools and applications!

Simplify the mortgage application process.

Applying for a mortgage should be straightforward and user-friendly. With Fyndoo, your customers can complete their applications using a mobile or web app, quickly and without unnecessary paperwork. Keep this in mind:

This digital-first approach guarantees transparency and speed, perfectly aligning with your brand's customer experience.

Fyndoo's Open Lending API enables developers to create a bespoke user experience tailored to your brand, ensuring a smooth and efficient application process.

Stay ahead with efficient and flexible mortgage origination.

Nailing the origination process is key to mortgage lending success. With Fyndoo, you get a user-friendly approach to mortgage origination, allowing you to set up personalized underwriting criteria for different customer profiles and regions.

Our low-code platform gives you the flexibility to create highly automated straight-through processes or more tailored mortgage solutions. Whether for first-time buyers or property investors, Fyndoo helps you originate mortgages with speed, precision, and compliance.

Fyndoo integrates with the latest standards and connects seamlessly with credit bureaus and property valuation databases across Europe, ensuring data accuracy and regulatory compliance.

Balance flexibility with operational efficiency

Managing mortgages requires adaptability and efficiency. Fyndoo supports the core processes you need to manage mortgage products, including:

• 1. Phased disbursement – For construction loans or mortgages linked to renovation projects where funds are released in stages.

• 2. Early repayment – For customers who want to repay their mortgage early or make partial overpayments.

• 3. Interest rate revision – Adjusting interest rates in line with market fluctuations or customer preferences (e.g., switching from a variable to a fixed rate).

• 4. Amendments – Contract changes initiated by the customer, such as extending the mortgage term or altering payment schedules.

• 5. Review and monitoring – Bank-initiated reviews to ensure ongoing risk management and compliance with changing regulations.

Fyndoo's workflow management system underpins each process, offering flexibility to customize workflows as needed, ensuring efficient and compliant mortgage management.

Efficiently manage disbursements and repayments.

Fyndoo has you covered with its mortgage execution capabilities, making loan servicing a breeze for all disbursement and repayment scenarios.

Fyndoo also supports flexible repayment structures, such as interest-only periods, helping you meet diverse customer needs while maintaining operational efficiency.

Stay in control of mortgage risk.

Managing mortgage portfolios can be challenging because of the risks involved, such as changes in property values, fluctuations in interest rates, and shifts in the borrower's financial situation. However, with Fyndoo's powerful workflow engine, you can keep an eye on mortgage risks continuously and steer clear of potential issues.

Monitoring workflows can be triggered by regular intervals, changes in property valuations, or borrower circumstances. In turn, these workflows can initiate additional management processes, such as amendments to loan terms or restructuring, ensuring the loan remains viable for both the bank and the customer.