Launch products at speed
Quickly bring new mortgage offerings to market and update existing products without IT.
Your lending policy, your rules.
The platform is designed to reflect how you lend not the other way around. Configure products, pricing, credit policy, servicing processes, collections strategies, and compliance settings.
The Ohpen Difference
Take control of your mortgage operation
Control pricing, rules and risk
Define eligibility, affordability, and interest rules to match your strategy and regulatory requirements.
Ensure consistent operations
Automate workflows, documentation, and servicing to reduce errors and streamline audits.
Scale with confidence
Manage all aspects of your lending platform in one place, reducing complexity and operational risk.
Business Configuration
Configure and adapt faster
Make product, pricing and policy changes directly through the Configuration Portal, reducing reliance on development cycles and accelerating time to market.
Key configuration areas
Product configuration
Configure lending products and pricing to match your strategy, distribution model and risk appetite.
- Products, variants and brands
- Rates and pricing structures
- Fees and charges
- Eligibility and lending limits
- Channel and segment availability
- Product lifecycle management
Credit decisioning
Control how applications are assessed and lending decisions are made, with configurable rules for eligibility, affordability, verification and exceptions.
- Acceptance, referral and rejection rules
- Affordability and income assessment
- Credit, fraud and identity checks
- Document and validation rules
- Automated and manual pathways
- Exceptions and overrides
Loan servicing
Configure servicing throughout the loan lifecycle to match your operational model, regulatory requirements and customer needs.
- Payments and collection schedules
- Interest and rate management
- Prepayment and redemption rules
- Rate revisions
- Lifecycle events and workflows
- Back-office processing rules
Collections management
Configure arrears management and customer communications to match your collections strategy and engagement model.
- Arrears workflows and treatments
- Reminders and escalation paths
- Collection measures and sequencing
- Communication templates and triggers
- Calendars and scheduling rules
Governance controls
Maintain control over configuration changes with role-based access, approvals and full traceability.
- Roles and access permissions
- Approval and change controls
- Product, pricing and policy governance
- Data retention settings
- Regulatory parameters
- Audit and traceability
Configure lending products and pricing to match your strategy, distribution model and risk appetite.
- Products, variants and brands
- Rates and pricing structures
- Fees and charges
- Eligibility and lending limits
- Channel and segment availability
- Product lifecycle management
Control how applications are assessed and lending decisions are made, with configurable rules for eligibility, affordability, verification and exceptions.
- Acceptance, referral and rejection rules
- Affordability and income assessment
- Credit, fraud and identity checks
- Document and validation rules
- Automated and manual pathways
- Exceptions and overrides
Configure servicing throughout the loan lifecycle to match your operational model, regulatory requirements and customer needs.
- Payments and collection schedules
- Interest and rate management
- Prepayment and redemption rules
- Rate revisions
- Lifecycle events and workflows
- Back-office processing rules
Configure arrears management and customer communications to match your collections strategy and engagement model.
- Arrears workflows and treatments
- Reminders and escalation paths
- Collection measures and sequencing
- Communication templates and triggers
- Calendars and scheduling rules
Maintain control over configuration changes with role-based access, approvals and full traceability.
- Roles and access permissions
- Approval and change controls
- Product, pricing and policy governance
- Data retention settings
- Regulatory parameters
- Audit and traceability
Configured for every lender
Support multiple lenders, markets and operating models on one configurable platform. Each lender can be configured independently with its own:
- Product catalogue
- Lending policies
- Submission routes
- Configuration
Changes for one lender don’t affect another, giving you the flexibility to launch, evolve and scale independently.
See Ohpen in Action
Book a demo
Build the products your customers cannot get elsewhere.
A flexible, proven end-to-end platform and a team that has done it before. Book a personalised walkthrough and see Ohpen handle your product line live.