Banking API — Mortgage Brokers
Verified Income for Home Loan Applications via CDR
Deliver tamper-proof, bank-verified income data for mortgage applications. Fiskil's CDR-connected API saves brokers 40 minutes per application and supports the 7x YoY growth in mortgage consent volumes.
The Challenge
Mortgage brokers spend disproportionate time collecting, reviewing, and chasing income documents that lenders frequently reject or query.
The Solution
Fiskil retrieves transaction data directly from the borrower's bank via CDR consent, automatically identifying and verifying all income streams with tamper-proof provenance.
Capabilities
How Fiskil Helps
Tamper-Proof Income Evidence
Income data sourced directly from the bank through CDR cannot be altered or forged, giving lenders confidence in the evidence provided.
Multi-Stream Income Detection
Automatically identify salary, overtime, bonuses, rental income, government payments, and side-income from transaction patterns across all connected accounts.
Income Stability Scoring
Calculate income regularity, growth trends, and stability metrics over 3-12 months to support lender serviceability models.
Lender-Ready Reporting
Generate structured income summaries that align with major lender requirements, reducing back-and-forth during assessment.
Implementation
How It Works
Initiate CDR Consent
During fact-find, send the borrower a consent link. They authenticate with their bank and authorise data sharing in under 2 minutes.
Retrieve Transaction History
Fiskil pulls 3-12 months of transaction data from all authorised accounts, covering salary accounts, offset accounts, and secondary income sources.
Generate Income Analysis
The API automatically categorises income transactions, calculates averages, identifies patterns, and produces a structured income summary.
Submit with Loan Application
Attach the verified income report to your loan submission. The tamper-proof CDR provenance reduces lender queries and accelerates assessment.
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FAQs
Related Use Cases
Lending
Income Verification
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Mortgage Brokers
Expense Analysis
Replace HEM benchmarks with real expense data from CDR bank transactions. Fiskil categorises borrower spending into discretionary and non-discretionary expenses, identifies recurring commitments, and produces lender-ready serviceability evidence.
Mortgage Brokers
Loan Pre-Approval
Deliver same-day mortgage pre-approvals by combining CDR-verified income, expense analysis, and commitment detection into a complete financial picture. Reduce document requirements and accelerate borrower readiness.
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