Mortgages made easy: Oper’s AI guides you
IO+ profiles how we’re working to make mortgages faster, clearer, and more accessible at a time when demand is rising sharply—22% more mortgages were taken out in the first half of 2025 compared to the same period in 2024. Drawing on our roots in banking and technology, we’ve built a “contact to contract” platform that helps banks digitize the entire mortgage journey, from the first affordability check to signing the final documents. Today, we serve 21 banks across six European countries, supported by a 50-person team operating from Antwerp, Amsterdam, Vienna, and Zurich, and backed by €14.5 million in funding.
The coverage highlights how our technology combines intuitive borrower and bank portals with AI that can read and verify key documents such as payslips, tax returns, and bank statements, and then provide intelligent recommendations. If the process ran end-to-end on our platform, a mortgage application could be completed in as little as ten minutes. At the same time, we emphasize that human advice remains central: banks tell us their customers still value face-to-face conversations for trust and reassurance, even when the outcome is the same. The story also places our work within the broader move toward open finance in Europe, noting how upcoming regulations like FiDA; and the increased access to real-time financial data they bring; will help accelerate and personalize mortgage journeys. Looking ahead, we share our view of mortgages evolving from a static 30-year product into something more dynamic and adaptable, supported by advanced AI and large language models that streamline slow but simple tasks for credit advisors.
Overall, the feature positions Oper as a partner helping banks modernize their mortgage processes while keeping the human relationship at the center. It underlines our belief that the future of home financing will be both highly digital and deeply personal - and that our AI-driven platform is designed to enable exactly that.
