Mortgage origination
your way
A fully customisable workflow engine built for banks. Define your own stages, tasks, and approval processes. Your rules, your brand, your way.
Built for your bank's process
Configurable State Machine
Define unlimited stages, each with custom checklists, conditions, and transitions. Add internal review gates or client-visible milestones.
Dynamic Task Assignment
Assign tasks to clients, bank staff, architects, notaries, or any stakeholder. Conditional logic shows tasks only when relevant.
Formula-Driven Documents
Generate ESIS, sanction letters, and custom documents using your templates. Formulas calculate rates, fees, and schedules automatically.
Compliance Built-In
Full audit logs, role-based permissions, and regulatory document templates. Stay compliant with MFSA requirements out of the box.
AI-Powered Extraction
Smart document processing extracts data from payslips, FS3s, and ID documents. Reduce manual data entry and errors significantly.
White-Label Ready
Your brand, your domain, your client experience. Full theming support with custom colours, logos, and email templates.
The End to End Digital Mortgage Process
A workflow tailored to your process — click any stage to explore
Initial Application
Client onboarding with smart data collection
Click to explore →Bank Offer
Analysis, pricing, and ESIS generation
Click to explore →Pre-Sanction
Documentation verification and stakeholder onboarding
Click to explore →Sanction
Formal approval and letter signing
Click to explore →Pre-Deed
Final preparations before closing
Click to explore →Deed Signing
Schedule and execute the final deed
Click to explore →Completed
Registration and final documentation
Click to explore →Ready to build your perfect workflow?
See how Banclo adapts to your existing mortgage process. Full customisation, zero compromise.