One consent. All banks. Under 5 minutes. Mortify leverages HKMA's IADS framework to eliminate paperwork from mortgage applications — forever.
We're building the future of mortgage applications in Hong Kong. Here's what's on the way.
One consent grants secure access to verified financial data across all 28 participating banks via HKMA's Commercial Data Interchange.
Coming SoonML-powered transaction categorization in English and Chinese. Auto-calculates income, DSR, liquid assets, and HKMA LTV tier.
Coming SoonBroadcast pre-verified applications to multiple banks simultaneously. Compare rates, cashback, and total costs side-by-side.
Coming SoonAll financial data processed in-memory only. Fully PDPO-compliant with 90-day consent windows and full audit trails.
Coming SoonBank-verified data replaces payslips, statements, and tax returns. Zero documents, zero manual uploads, zero delays.
Coming SoonAutomated anomaly detection flags circular transfers, income inconsistencies, and suspicious patterns before underwriting.
Coming SoonFrom sign-up to bank offers in five simple steps.
Register and verify via iAM Smart — Hong Kong's official digital identity. Takes about two minutes.
Select which banks to connect and grant IADS consent. One tap, fully compliant, 90-day window.
Mortify securely retrieves account data, transactions, credit obligations, and existing loans across all connected banks.
Our engine categorizes transactions, calculates verified income, DSR, assets, and LTV tier — a complete picture no single bank can see.
Submit pre-verified applications to multiple banks at once. Receive and compare offers in days, not weeks.
Watch our 2.5-minute demo walkthrough of the full user journey.
Mortify is coming soon to Hong Kong. Stay tuned for updates.
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