Loan Management System · Mortgages

Home financing, from application to the final instalment

Streamline mortgage lending by capturing property details, automating credit checks and moving files through approval faster, all in one flow.

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Launch in daysPre-built lending logic lets you move straight to production, without long engineering cycles.
Easily customisableAdjust interest rates, fees, risk rules and approval steps from a simple editor.
Seamless integrationsConnect credit bureaus, identity checks and payment providers without patchwork middleware.
Built for complianceEvery product is set up with good regulatory practice in mind, so you can focus on growing.

See it with sample data

A look at the mortgages screens your team would use. The names and figures are made up for illustration.

Credit Watch · Mortgage fileSample data

Property and loan

Property
House, Kabulonga, Lusaka
Valuation
K 1,850,000
Deposit (20%)
K 370,000
Loan amount
K 1,480,000
Term
20 years
Rate
14% per year, reducing
Monthly instalment
about K 18,400

Loan-to-value

80%LTV

Within the 85% limit for this product

Where the file is

  1. Application receivedMary and Joseph Banda
  2. Valuation reportReceived and accepted
  3. Credit checkPassed
  4. Committee approvalWaiting for the second approver

Documents

DocumentStatus
Title deedReceived
Valuation reportReceived
Three months of payslipsReceived
Bank statementsPending
Home insurance coverPending

Built for long-term, secured lending

The extra detail a home loan needs, without the paperwork pile.

Property and securityRecord the property, its valuation and the security taken, with documents attached.
Loan-to-value rulesSet maximum LTV by product, and see it on every file.
Document checklistTitle deed, valuation, payslips and bank statements tracked until the file is complete.
Co-borrowers and guarantorsRecord everyone who stands behind the loan.
Long-term schedulesTerms of 20 years and more, reducing balance, with rate changes and rescheduling.
InsurancePolicies recorded on the loan, so cover never lapses unnoticed.

One screen for the committee

Property, valuation, affordability and documents are brought together, so approvers decide on a complete file.

  • Loan-to-value shown against the product limit
  • Missing documents flagged
  • Second approver recorded
Credit Watch · Approval · MG-0114Sample data
MMary and Joseph BandaHome LoanStep 2 of 3: Credit committee
AmountK 1,480,000
Term20 years
ReferenceMG-0114
  • Valuation report accepted
  • Loan-to-value 80% (limit 85%)
  • Credit check passed
  • Bank statements outstanding
CommentLooks in order. Approving subject to the outstanding item.
ApproveAsk for informationReject

Statements for a loan that lasts decades

Borrowers see the balance, the schedule and what they have paid, for the whole life of the loan.

  • Annual statements on request
  • Insurance renewal reminders
  • Settlement quotes when needed
9:41
YLWelcome backMary Banda
Home Loan · MG-0114K 1,452,300Outstanding balance
4% repaid
Next paymentK 18,404 due 1 Dec
Pay nowStatement
Recent activity
Repayment 14 of 2401 Nov- K 18,404.00
Repayment 13 of 2401 Oct- K 18,404.00
Insurance renewed15 Sep
Sample screen, shown with your name and logo

A mortgage, step by step

One clear path, the same every time.

EnquireCollect the borrower, the property and the amount wanted.
QualifyAffordability and loan-to-value rules give an early answer.
AssessValuation, credit checks and documents are gathered on one file.
ApproveCommittee approval by role, with a clear record.
CompleteOffer, security registration and disbursement.
ServiceSchedules, repayments and insurance tracked for years.

Controls that matter for large exposures

Because a mistake on a mortgage is expensive.

Multi-step approvalsLarge exposures reach the right level.

Separation of dutiesPeople who prepare a loan do not approve it.

A full audit trailEvery change, with who made it and when.

Document controlFiles stay attached to the right loan.

ProvisioningClassification and provisioning follow the ledger.

Exposure reportingSee concentration by branch, product and guarantor.

Frequently asked questions

Short answers to what lenders ask us about mortgages.

1What does a mortgage file hold?

The borrower and any co-borrowers, the property and its valuation, the security taken, guarantors, documents, insurance, the approval history and the repayment schedule, all on one loan record.

2Can I set loan-to-value and affordability limits?

Yes. You set maximum loan-to-value and affordability rules per product, and each file shows how it measures up before it goes to approval.

3Does it support long terms?

Yes. Terms of 20 years and longer are supported with reducing-balance schedules, and you can reschedule a loan if a borrower's circumstances change.

4Can I explore Mortgages before committing?

Yes. You can start free, with no payment details needed to begin, and try it with your own products and settings. Our team can also set up a working example with you.

5How is customer information kept secure?

All traffic uses HTTPS, passwords are stored as one-way hashes, and people see only what their role allows. Every action is recorded in an audit log, and each company's data is kept apart from everyone else's. Card and mobile-money payments are handled by the payment providers you connect, and the platform records the references.

6Which industries and lenders is it built for?

Banks, microfinance institutions, SACCOs and credit unions, fintechs, buy now pay later providers, auto and asset lenders, and enterprises that lend to customers, staff or suppliers.

Get started with Mortgages

See how Credit Watch can run this for you. Start free, and our team will help you go live in days.

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Or call us on +260 953 436 602