[ NEW REPORT ] What’s next for European mortgages in 2025? 🚀

Mortgage Origination Supercharged

Mortgage software designed to make digital experiences effortless - for both lenders and borrowers

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Trusted by industry leaders

Say hello to digital mortgage processes

Oper's mortgage software empowers lenders to deliver an exceptional borrower experience, boost conversion rates, and increase efficiency. From affordability check to closing, Oper digitises the manual and paper-heavy parts of the process so you can focus on providing personal advisory to your borrowers. With Oper, digital mortgage experiences are just a click away.

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Hassle-free mortgages for all

From borrowers to credit analysts, Oper supports everyone in your lending business

For Loan Advisors

Let your loan advisors simulate mortgages, collect documents and fulfil application requests efficiently. With our lender tools, advisors are able to generate more leads, close faster, and increase operational efficiency.

For Credit Analysts

Let your credit analysts verify data and documents, run credit checks, calculate financial ratios, and make a decision on the mortgage application. Improve loan request quality by up to 90% with our automated verification tools.

For Borrowers

Provide digital experiences and personal touch to your borrowers from pre-application to closing. With self-served affordability assessment, seamless mortgage application and digital documents upload, applying for mortgages is transparent and anxiety - free.

A real impact that can be measured

Explore how our software helps our lender clients with their mortgage origination
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+81%
faster mortgage decision
+90%
first-time-right scores
+25%
customer conversion

One, ultimate solution‍

Our white-label platform integrates seamlessly with your systems

Advisory
Application
Closing

Affordability Calculator 

Improve customer experience by letting borrowers calculate how much they can loan, or if they can afford to purchase a specific property

Advanced Mortgage Planner 

Let your advisors continue what the borrower started online, simulating complex mortgage scenarios and providing transparent advice with the Guided Advisory Flow

Lead Management

Streamline your sales process and boost team efficiency with a simple CRM lead dashboard

Online Mortgage Application

Let your borrowers apply for a mortgage online and keep them up to date on the status of their application

Self-Service Document Management

Improve the quality of loan application and close faster by collecting documents from borrowers online

Application Manager

Complete or review mortgage applications using AI-powered verification, third-party data integrations, and dynamic workflows for faster, accurate processing

Loan Application Analysis

Perform a detailed analysis of the loan request guided by automated checks and AI-powered verification

Mortgage Underwriting

Make a faster decision on mortgage applications with flexible decisioning logics, AI-assistance and automated offer documents generation

Online Mortgage Closing

Let borrowers review documents,  sign them digitally and manage payouts

Bank-grade Security

Protect your data with bank-level security and robust GDPR compliance.

Fully embedded within your IT landscape

Our white-label mortgage platform follows industry’s best-practices and can be integrated into core banking systems within 4-6 weeks of contract signing. With our dedicated implementation team, great experiences are just a click away.

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See how we did it with Bank Cler

Learn more about how Bank Cler's collaboration with Oper has improved the digital mortgage journey for Swiss expats:

Read the case study

Mortgage technology trusted by industry leaders

Klaus Kumpfmüller
CEO at HYPO Oberösterreich
"Thanks to Oper's innovative software solutions, we are successfully digitizing our mortgage origination process and making it future-proof. The implementation went smoothly and quickly within just 8 weeks thanks to the flexibility and commitment of the Oper team."
Attila Soós
Deputy CEO at Fundamenta-Lakáskassza
"Oper’s capabilities to tailor their solution to our specific needs exceeded our expectations and were further reflected during their thorough and professional onboarding process. We are more than excited for the full roll-out to our 1000+ agents and can’t wait to get additional value out of the Oper platform."
Véronique Jacobs
Product Manager at Triodos Bank
"Since we are using our new digital mortgage simulation tool by Oper, not only did we achieve a significant increase in the number of qualitative leads, but we also saw a remarkable 27% increase in the conversion rate. The flexibility of Oper's digital solutions for mortgage loans has given us great satisfaction and the results exceed our expectations."
Yannick Grandjean
Digital Banking Manager at Bank Cler
‍“The new online mortgage application process significantly improved Bank Cler’s ability to distribute mortgages digitally. Compared to our previous channel, our reports show increasing volumes and a higher conversion rate.”
Herman Bruyland
Managing Director at Creafin
“Our credit application tool Creanet 2.0., developed by Oper Credits, facilitates a paperless, smooth and workflow driven origination process that enables us to expand our business. Furthermore, Oper Credit’s team is very responsive to our needs and is value added.”

The future of mortgages starts today

Empower your advisors with Oper’s cutting-edge platform and AI features. Book a demo with our expert today to see how the AI mortgage tools can supercharge your processes.
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