Products
© Fiskil 2026. All rights reserved.
Proptech
Mortgage Pre-Approval
Traditional mortgage pre-approval takes weeks. Fiskil enables instant pre-approval by analyzing banking data to calculate accurate borrowing capacity and verify financial position.
Buyers miss out on properties while waiting weeks for mortgage pre-approval.
Pre-approval takes 2-4 weeks traditionally
Buyers lose properties to faster-approved competitors
Manual income and expense verification is slow
Inaccurate pre-approval amounts based on stated income
High rejection rate at formal application stage
Calculate accurate borrowing capacity instantly using verified income, expenses, and existing commitments from banking data.
Calculate maximum loan amount based on verified income and expenses.
Identify all existing loans and commitments that affect borrowing capacity.
Calculate actual living expenses from spending patterns, not HEM benchmarks.
Verify deposit source and genuine savings history.
Add instant pre-approval to your mortgage broker or lender platform.
Home buyer authorizes access to bank accounts for pre-approval assessment.
API analyzes income, expenses, commitments, and deposit from 6-12 months of data.
System calculates maximum borrowing capacity using verified data.
Generate pre-approval letter immediately - buyer ready to make offers.
Calculate sustainable income from transaction history, not stated income.
Use real spending data instead of HEM benchmarks for accurate servicing.
Identify all loans, BNPL, and credit commitments affecting serviceability.
Verify deposit is genuine savings, not gift or borrowed funds.
Model serviceability under higher interest rates for responsible lending.
Generate reports banks accept for formal application.
A broker platform offers instant pre-approval to attract buyers.
Result: Brokers close 40% more deals with instant pre-approval competitive advantage.
A real estate portal pre-approves buyers viewing listings.
Result: Pre-approved buyers are 3x more likely to make offers and complete purchases.
A bank offers instant pre-approval for online mortgage applications.
Result: Application-to-approval time reduced from 3 weeks to 10 minutes.
POST /mortgage/calculate-capacityGET /accounts/{accountId}/serviceabilityPOST /mortgage/pre-approvalGET /mortgage/deposit-verificationBorrowing capacity
Verified income
Living expenses
Existing commitments
Deposit amount and source
Serviceability ratio
OAuth 2.0 / CDR consent
Yes
Using verified income and expenses typically provides accuracy within 5-10% of formal bank assessment.
Pre-approval based on CDR data is increasingly accepted as banks adopt open banking.
Home loans, personal loans, car loans, credit cards, BNPL, and any recurring debt payment.
Actual spending from transactions is used instead of HEM benchmarks for more accurate assessment.
Yes, transaction history shows whether deposit accumulated through savings vs gift or loan.
Pre-approval indicates likely capacity, but formal approval requires full bank assessment.
Typically 90 days, same as traditional pre-approval, subject to lender policy.
Lending
Verify applicant income instantly using real bank transaction data. Fiskil's income verification API reduces loan processing time and improves accuracy.
Lending
Calculate loan affordability using real cash flow data. Ensure responsible lending with automated affordability checks based on income, expenses, and existing commitments.
Proptech
Verify tenant income and rent payment history instantly from banking data. Reduce rental fraud and speed up tenant approval with automated verification.
Join hundreds of companies using Fiskil to power their proptech applications. Get started today with our developer-friendly API.
Products
© Fiskil 2026. All rights reserved.