Payments allocated automatically using configurable strategies
Turn mortgage servicing into an automated engine
Go beyond managing loans. Automate servicing from contract activation to final repayment, with control built into every stage.
Automated Servicing
Event-driven automation, end to end
Every payment, rate change and contract event can trigger the next action automatically, keeping servicing processes moving throughout the mortgage lifecycle.
LTV monitored with automatic rate adjustments
Interest rate reviews managed on configurable schedules
Direct debits, reversals and re-collections handled through SEPA
Communications, tasks and contract changes triggered by events
Automation with control
When human input is needed, teams can step in through the operational interface or API to review exceptions, make decisions and take action.
Full contract lifecycle
Manage mortgage contracts, servicing actions and financial records from approval to final repayment.
Mortgage contracts
Manage multiple loan parts, product changes, rate revisions, term extensions and future-dated actions.
Repayments & transfers
Process repayments and transfers with configurable rules, full traceability and auditability.
Financial accounting
Manage ledger postings across 800+ transaction types for accurate, auditable financial records.
Your operating model, configured
No two lenders operate the same way. Configure business rules, products, payments, collections and automation to match your operating model. Parameter tables, rule engines and workflows give your teams greater control without relying on custom development.
Platform Benefits
What this delivers
Automated, event-driven servicing that scales without adding headcount
Greater straight-through processing that reduces operational costs
Real-time LTV monitoring that enables automatic rate adjustments
Flexible arrears management that supports the full recovery journey
Built-in controls and audit trails that support regulatory compliance
Lender-specific configuration that adapts to your operating model
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.