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OnayIpoteka – a unified platform for mortgage transactions

An innovative service that brings together banks, developers,
appraisers, and mortgage broker into a single digital space

Platform Roles

  • Broker

  • Developer

  • Appraiser

The mortgage process is outdated. We are fixing it.

We eliminate:

  • Long application
    approval times

  • Poor coordination
    between participants

  • Lack
    of automation

  • Loss of clients at
    every stage

  • Errors due to manual
    data entry

About us

We consolidate all
participants of the mortgage system process

We did not just simplify the process of arranging
and closing transactions — we created a new ecosystem.

Platform

The digital ecosystem of the mortgage market.
Who interacts and how?

  • Этап 1

    • Construction Companies

      1. Publication of properties being put into operation

    • Appraiser

      1. Housing appraisal

      2. Ready appraisal report

  • Этап 2

    • Broker

      1. High-quality leads

      2. Thorough borrower verification

      3. Application registration via the platform

    • Bank I
      Bank II
      Bank III
    • Data verification on the bank`s side

      1. Confirmation of solvency

      2. Collateral approval

Approval
of the deal

Frequently Asked Questions

  • What is a mortgage?

    A mortgage is a loan provided by a bank or other financial institution for the purchase of real estate. Usually, the purchased property serves as collateral.

  • What documents are required to apply for a mortgage?

    Identity document, appraisal report, income statement, pension fund statement, credit bureau report.

  • How long does mortgage approval take?

    On average, the application review takes from 3 to 10 business days, but in some cases, it may be faster (for example, when applying through the bank’s partners).

  • What types of mortgages are there?

    Main types: home purchase (primary or secondary market), mortgage for building a house, military mortgage, government-supported mortgage, mortgage refinancing.

  • What are the current mortgage rates?

    Rates vary depending on the program and the bank. The average range is from 3.5% to 25% per year. However, for certain categories of citizens or under government programs, the rate may be lower.

  • Is it possible to get a mortgage without a down payment?

    Yes, some banks offer programs without a down payment. This usually requires additional security — such as a guarantor or another property as collateral.

  • How to choose the right bank for a mortgage?

    When choosing a bank, pay attention to: the interest rate, early repayment conditions, required documents, additional fees, and the bank’s reputation.

  • Can a mortgage be repaid early?

    Yes, early repayment is possible in most banks. Check the conditions: many allow it without penalties, but minimum amounts or other restrictions may apply.

  • What to do if you cannot pay your mortgage?

    Contact the bank as soon as possible. Possible solutions: loan restructuring, payment holidays (if allowed by the conditions), mortgage refinancing.

Join the 
next-generation mortgage 
platform

Getting started