The AIS Novations team built an MVP from scratch within three months. The solution automates the mortgage refinancing process and handles the entire customer and associate engagement cycle — from the web application through the customer portal to the middle office platform with discretionary access for each user type: admins, borrowers, brokers, and mortgage advisors.
- Website. Accessible to borrowers. Serves as an information source. It has an embedded calculator where a borrower can enter estate value, mortgage amount, and find out available loan types in one go.
- Customer Portal. Accessible to borrowers. The user goes through a card-based questionnaire choosing between the two suggested options at each step. Thus, the user provides detailed information about his or her mortgage, property, finances, family membership, and more. The information submitted by the borrowers is stored on the middle office platform for further processing by brokers and mortgage advisors.
- Middle office. Accessible to admin, brokers, and mortgage advisors only. The broker re-estimates the mortgage of the borrower, checks his or her credit rates, and amends the registration documents. Also, brokers and mortgage advisors can view available mortgage deals.