Mortgage Solution

Launch a digital mortgage experience with superfast, automated responses

Our mortgage solution is streamlined with best-practice loan process automation that is adaptable, fast and integrates with your operations.

Mortgage Solution

Launch a digital mortgage experience with superfast, automated responses

Our mortgage solution is streamlined with best-practice loan process automation that is adaptable, fast and integrates with your operations.

Mortgage Solution

Launch a digital mortgage experience with superfast, automated responses

Our mortgage solution is streamlined with best-practice loan process automation that is adaptable, fast and integrates with your operations.

Mortgage Solution

Launch a digital mortgage experience with superfast, automated responses

Streamline the everyday life for customers and bank employees

Offer your customers to apply for a financing certificate or mortgage in a digital, automated, efficient, and user-friendly way, preferably on the sofa after house viewings. Provide them with an answer in a few minutes while dinner is in the oven.

The mortgage market is attractive, with long-term loans and great interest margins.

The mortgage market is attractive, with long-term loans and great interest margins.

Nevertheless, internal requirements for growth, scalable solutions, cost cutting and demanding requirements regarding the never-ending story of compliance must be combined with the customers’ need for digital and user-friendly solutions that involve as little work as possible and swift responses.

Speed up your entire credit process!

Speed up your entire credit process!

Stacc’s mortgage solution facilitates customer growth without you having to scale in the number of employees for case handling and support. The solution offered in the form of an end-to-end cloud-based SaaS based on a high degree of flexibility, automation, and user-friendly customer journeys supporting multiple mortgage journeys with compliance built in!

The solution also streamlines everyday life for the bank, case handlers and financial advisors, providing efficient support for tasks that require a "human touch". 

A unique combination of solutions

A unique combination of solutions

The uniqueness of the solution is the combination of Stacc's process automation platform handling the complete origination process including an ApplicationWeb and MyPages, our industry standard solution handling financial analysis and advisory, as well as our core banking solution handling the complete lifecycle of mortgage loans.

The solution also streamlines everyday life for the bank, case handlers and financial advisors, providing efficient support for tasks that require a "human touch". 

The uniqueness of the solution is the combination of Stacc's process automation platform handling the complete origination process including an ApplicationWeb and MyPages, our industry standard solution handling financial analysis and advisory, as well as our core banking solution handling the complete lifecycle of mortgage loans.

Process automation platform

Handling the complete origination process.

Market leading affordability engine from our Retail financial analysis solution.

Market leading affordability engine from our retail financial analysis solution.

Core ledger

Lifecycle management of loans and credits.

The credit process

The credit process

In addition to focusing on the customer journey, the solution also streamlines everyday life for the bank, case handlers and financial advisors, providing efficient support for tasks that require a "human touch".

In addition to focusing on the customer journey, the solution also streamlines everyday life for the bank, case handlers and financial advisors, providing efficient support for tasks that require a "human touch".

Offer digital user journeys to the dream home

Stacc Mortgage offers pre-developed user journeys in responsive design, which will be adapted to your preferred look & feel. The user journeys are developed as multi-brand services, easy to adapt to different market segments.

Flexible automation

We have automated the mortgage journeys from application to payout. The bank’s credit policy and scoring rules are modeled into the solution.

The solution includes integrations with industry-leading 3rd parties for scoring, credit check, consent-based loan application, debt register, property value, digital documents, eSigning, electronic registration of collaterals and digital brokerage settlement.

Based on the “traffic-light principle”, each application will be scored green – automatic approval, yellow – sent to manual case handling or red – automatic rejection.

Only deal with the applications you have to

The solution comes with a case management solution that automatically assigns “yellow applications” to the right case handlers based on roles and power of attorney.

The case handler will only be presented with relevant data relating to the task in question including to the reason why the application was scored as yellow.

Integrated services for financial analysis, calculation of loan serviceability and decision support will be available as well as support for credit memo and 4-eye control.

Offer financial analysis and advisory if you wish

Stacc Mortgage includes integrated services for financial analysis and advisory if you want to offer mortgage loans for all variants of housing types and “borderline” cases or want to provide financial analysis and advisory “in the chair” for first-time home buyers.

Compliance built-in

The solution is compliant with:

  • KYC

  • AML

  • GDPR

  • The Lending Regulation

  • The Financial Agreements Act

  • And more

MyPages

The solution comes with a MyPage web that provides the status of loan applications, information on existing loans, applications for changes in due date, payment-free period, handling of additional payments, messaging from and to loan provider as well as access to history and documentation.

significant benefits

Here's what makes our solution stand out

Process automation

Process automation platform that orchestrates the complete application, onboarding, and credit process.

Tailored case handler

Automatically generated case handler solution based on the configured process that suits your business.

Visual display of process flow

Visual display of the process flow that is in production, including version management in case of changes in the flow.

Automation

Both automated and manual restart of 3rd party lookups that have failed.

Business and scoring rules

Online changes of business and scoring rules.

Add whatever integrations that suit your needs

Flexible possibilities to change the order of steps in the process flow or exchange a 3rd party integration with another.

Self-service portal

Self-service of product setup, credit policy and scoring rules, change of interests and fees and texts used in customer notifications.

Documentation

Documentation and full traceability of the complete credit process including responses from 3rd parties, manual case handling, any changes made by a case handler and credit memos

Configurable solution

Configurable KPI’s, dashboards and statistics for reporting and to discover possible bottlenecks that can provide a basis for further tuning of the process flow.

flexible and efficient

flexible and efficient

Complete mortgage solution

Complete mortgage solution

Stacc offers a complete mortgage solution, that can be configured to fit your requirements.

The solution supports a digital and automated application web, onboarding and credit process including scoring of each application, case handling of “yellow” applications with integrated financial analysis services, MyPages and a core solution handling automated lifecycle management of mortgage loans.

The solution supports a full-scale of mortgage products and registration of more than 30 types of pledges, including all types of movables, real estate, and cooperative housing.

Mortgage refinancing

Mortgage refinancing

Mortgage refinancing

Top-up loans

Top-up loans

Top-up loans

Financing certificates

Financing certificates

Financing certificates

Purchase of a new home

Purchase of a new home

Purchase of a new home

Interim financing 

Interim financing 

Interim financing 

CONTACT SALES

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