MORTGAGE ⭐ Featured

MORTGAGE MANAGEMENT

The Mortgage module is Leaseora's end-to-end mortgage origination and servicing environment. It supports landlords and real estate companies that create mortgage or rent-to-own products, receive client applications, review eligibility, issue offers, manage legal documentation, generate amortisation schedules and collect repayments.

Leaseora Jul 29, 2026 38 min read 11 views

LEASEORA

MORTGAGE MANAGEMENT

Detailed User and Technical Operations Guide

Products • Eligibility • Applications • Credit Checks • AI Assessment • Offers • Legal Documents • Amortisation • Payments • Prepayment • Analytics • Government Integration

For real estate companies, mortgage teams, finance teams, client-service teams, legal teams, risk teams, lenders and authorised administrators

Version 1.0 | July 2026

Purpose of this guide

This guide explains how a real estate company uses Leaseora's Mortgage module from product creation and client eligibility through application processing, offer management, legal documentation, mortgage activation, amortisation, payment collection, prepayment, late-payment handling, analytics, reporting and platform oversight. It also provides a detailed technical reference based on the models, controllers, services, events, notifications, jobs and AI tools supplied for the module.

1 Purpose, Audience and Scope

Item	Description
Primary users	Real estate companies, mortgage administrators, finance teams, risk and credit teams, legal teams, client-service teams, SuperAdmins and authorised government mortgage users.
Client-facing scope	Mortgage-product browsing, eligibility checks, AI assessment, application, document upload, application status, mortgage dashboard, payments and prepayment.
Company-facing scope	Mortgage creation, portfolio management, application review, AI analysis, offers, legal documents, activation, payment management, analytics and reporting.
Technical scope	Models, controllers, services, Livewire components, events, notifications, jobs, commands, blockchain verification and government-domain integration.
Operational boundary	Leaseora supports workflow and analysis. It does not replace regulated lending approval, legal advice, independent valuation, credit bureau evidence, affordability policy or statutory compliance.

Important decision principle

AI predictions and recommendations are advisory. Final eligibility, affordability, approval, pricing, conditions, documentation and enforcement decisions must be made by authorised human users under the applicable policy and law.

2 End-to-End Mortgage Overview

Figure 1. Complete Mortgage lifecycle

Phase	Business outcome
Product design	The company defines mortgage type, amount, rate, term, property and eligibility.
Product publication	Clients can browse active mortgage products.
Eligibility	Client receives a preliminary score and product recommendations.
Application	Personal, employment, property and supporting evidence are submitted.
Review	Credit check, risk assessment, AI insight and human review are completed.
Offer	Approved terms are formalised with an expiry date.
Legal documentation	Contracts and related documents are created, stored and optionally blockchain-verified.
Activation	The mortgage becomes active and amortisation is generated.
Servicing	Payments, reminders, prepayments, late and missed payments are managed.
Oversight	Landlord, SuperAdmin and government dashboards provide monitoring, exports and diagnostics.

3 Roles, Permissions and Segregation of Duties

Role	Main responsibility	Control
Mortgage Product Administrator	Creates and maintains mortgage products.	Should not independently approve applications outside delegated authority.
Credit / Risk Analyst	Reviews eligibility, credit check, affordability and risk.	AI result must be verified against evidence.
Mortgage Approver	Approves, rejects or conditionally approves applications.	Should record reasons and conditions.
Legal Officer	Creates and manages legal documents and completion conditions.	Should control document templates and signatures.
Mortgage Servicing Officer	Manages schedules, payments, late and missed status.	Should not change records without evidence.
Finance Officer	Reconciles mortgage receipts, fees and landlord payouts.	Should separate payment verification from reconciliation.
Client Service Officer	Supports applicants and active mortgage clients.	Should not disclose restricted credit data.
SuperAdmin	Oversees platform-wide mortgages, documents, risk and reports.	Should not alter landlord decisions without authorised process.
Government Mortgage Officer	Processes configured government-backed or rent-to-own schemes.	Must apply programme and NHF compliance rules.

MortgagePolicy

Use MortgagePolicy and role-based permissions to restrict product changes, application access, decision actions, payment changes, document downloads and platform-level oversight.

4 Core Models and Record Relationships

Record	Relationship purpose
Mortgage	Core mortgage or property-linked financing record.
MortgageProduct	Published structured financing product.
MortgageApplication	Client's application for a product.
MortgageApplicationPersonalInfo	Personal data linked to the application.
MortgageEmploymentHistory	Employment and income history.
MortgageApplicationDocument	Application supporting documents.
MortgageOffer	Formal terms issued after approval.
MortgageLegalDocument	Legal agreement and compliance documents.
MortgageDocument	General mortgage documents.
MortgageAmortizationSchedule	Principal and interest schedule for the full term.
MortgagePayment	Individual due-date repayment record.
TenantMortgageEligibilityScore	Pre-application eligibility and AI score.
MortgageImage	Images associated with a mortgage or property.

5 Phase 1 - Create a Mortgage

STEP
1

Create a New Mortgage Record

Primary user: Mortgage Product Administrator

Navigate to Mortgages -> Create Mortgage. MortgageController@create and @store manage the creation workflow.

Field	Purpose
Title	Clear product or property mortgage name.
Description	Plain-language explanation of the mortgage.
Property	Property linked to the mortgage.
Mortgage type	Fixed, variable, interest-only or rent-to-own.
Loan amount	Principal being financed.
Property value	Value used for loan-to-value and affordability analysis.
Currency	Contractual mortgage currency.
Interest rate	Applicable annual or configured rate.
Term years	Mortgage duration.
Payment frequency	Monthly or other supported repayment frequency.
Down payment	Amount or percentage contributed by the client.
Status	Draft, active or archived according to the supplied record design.
Images	Property or mortgage images stored through image actions.

Creation process

1. Select the linked property.

2. Choose the mortgage type.

3. Enter the loan, value, currency, interest and term.

4. Enter the required down payment.

5. Review the expected repayment structure.

6. Upload relevant feature images.

7. Use AI auto-fill or analysis only as drafting support.

8. Save as Draft for review or activate under the authorised process.

Confirm the distinction between Mortgage and MortgageProduct

The supplied scenario uses Mortgage for the core record and MortgageProduct for a structured product clients browse. Confirm the production relationship and creation sequence before training users.

6 Mortgage Creation AI Tools

Action	Purpose
autoFillWithAI	Uses property data to propose mortgage fields.
analyzeAi	Reviews terms, flags risks and suggests improvements.
portfolioAnalysisView / Post	Runs mortgage portfolio analysis.
analyzePortfolioData	Analyses the landlord's mortgage portfolio data.

Recommended review before saving AI output

☐	Property value and loan amount are verified.
☐	Interest rate and term are authorised.
☐	Down payment complies with policy.
☐	Product type is suitable for the intended client segment.
☐	Repayment frequency matches servicing capability.
☐	Currency and exchange-rate assumptions are correct.
☐	Legal and regulatory requirements are satisfied.

AI does not create binding terms

AI-generated fields and suggestions remain drafts until authorised users review and approve the mortgage terms.

7 Mortgage Images and Supporting Media

MortgageImage stores images associated with the mortgage. Use storeImage to add approved media and destroyImage to remove it.

☐	The image belongs to the correct property.
☐	The company has permission to use the image.
☐	The image does not misrepresent the property's condition.
☐	Sensitive personal or document information is not visible.
☐	A deleted image is removed from the user interface and controlled storage process.

8 Mortgage Portfolio Management

STEP
2

Manage Mortgage Records

Primary user: Mortgage Product Administrator / manager

MortgageController@index, @show, @edit and @update manage the mortgage portfolio.

Action	Purpose
View	Open the full mortgage record and related information.
Edit	Update authorised fields.
Bulk action	Update, archive or delete selected records under permission.
Archived	View archived mortgages.
Restore	Return an archived mortgage to the active portfolio.
Destroy	Delete where policy and record relationships permit.

Prefer archive over deletion

Mortgage records may have applications, offers, legal documents and payment history. Archive rather than delete whenever the record must remain auditable.

9 Landlord Mortgage Dashboard

STEP
3

Use the Mortgage Dashboard

Primary user: Mortgage management and executives

Dashboard item	Meaning
Total mortgages	All mortgages in the selected scope.
Active	Currently serviced mortgages.
Pending	Products or cases awaiting progression according to the deployed definition.
Completed	Mortgages fully repaid or closed.
Total loan amount	Gross principal across the portfolio.
Collected payments	Verified repayments received.
Outstanding balance	Remaining principal or scheduled amount.
Upcoming payments	Next scheduled repayment obligations.
AI insights	Risk, market or portfolio suggestions.

MortgageDashboardController and the MortgageDashboard Livewire component provide the landlord view. API\MortgageDashboardController provides statistics, recent mortgages, upcoming payments, monthly volumes, amounts by status and top-landlord data.

Dashboard definitions require confirmation

Confirm whether amounts are based on original currency, converted currency, scheduled payment, verified payment, outstanding principal or total repayable.

10 MortgageService and Portfolio Statistics

MortgageService method	Purpose
getMortgagesForLandlord	Returns mortgages owned by a landlord.
getMortgageStatistics	Calculates portfolio statistics in the selected user currency.
convertMortgageCurrency	Converts mortgage amounts through ExchangeRateService.

Portfolio statistics controls

· Use the same period and currency for comparison.

· Separate active principal from total repayable.

· Separate collected cash from accrued interest.

· Review concentration by property, mortgage type, client and currency.

· Reconcile dashboard totals to mortgage and payment records.

11 Phase 2 - Create and Publish Mortgage Products

STEP
4

Create a Mortgage Product

Primary user: Mortgage Product Administrator

Field	Purpose
Product name	Name shown to clients.
Product type	Fixed, variable or interest-only under the supplied product design.
Minimum loan	Lowest eligible amount.
Maximum loan	Highest eligible amount.
Interest rate	Published rate or rate basis.
Maximum term	Longest available term.
Eligibility criteria	Minimum qualifying requirements.
Required documents	Documents clients must upload.
Active toggle	Controls publication and browsing.

Product publication checklist

☐	Product name and description are clear.
☐	Minimum and maximum amounts are consistent.
☐	Interest rate and term are approved.
☐	Eligibility criteria are measurable and lawful.
☐	Required documents are necessary and proportionate.
☐	Currency and property scope are clear.
☐	Client disclosures and expiry rules are available.
☐	Product is tested before is_active is enabled.

Rent-to-own relationship

The Mortgage record supports rent_to_own in the supplied scenario, while MortgageProduct lists fixed, variable and interest-only. Confirm whether rent-to-own is also a MortgageProduct type in production.

12 Mofi Mortgage Products

MofiMortgageProduct stores Mofi-specific mortgage products. MofiMortgageAmortization and MortgageAmortization support Mofi-specific schedules.

Mofi configuration is specialised

Confirm product rules, approvals, repayment calculation, government relationship, data exchange and servicing responsibilities before use.

13 Phase 2 - Client Browses Mortgage Products

STEP
5

Browse and Compare Products

Primary user: Client

Clients browse through MortgageProductBrowseController, MortgageProductController or MortgageMobileController.

Filter	Purpose
Product type	Fixed, variable, interest-only or configured type.
Loan amount range	Products supporting the required principal.
Interest rate	Products within the selected rate range.
Term	Products supporting the preferred duration.

Product detail should show

· Product name and type.

· Minimum and maximum loan.

· Interest rate and whether it is fixed or variable.

· Maximum term.

· Eligibility criteria.

· Required documents.

· Currency and converted display amount.

· Important conditions and application steps.

Converted amount is for display

CurrencyService and CurrencyExchangeService may display amounts in the client's preferred currency. The contractual mortgage currency and rate basis must remain clear.

14 Phase 3 - Eligibility Check

STEP
6

Complete the Preliminary Eligibility Check

Primary user: Client

The client enters income, employment, credit history, existing debt, deposit and property value.

Input	Purpose
Income	Amount, frequency and evidence source.
Employment	Status, employer, type and length.
Credit history	Available score or credit information.
Existing debts	Current monthly and total obligations.
Deposit	Cash contribution available.
Property value	Expected property value.

Figure 2. Eligibility and application flow

15 Eligibility Analytics and Recommendation Engine

Service action	Purpose
predictLoanApprovalProbability	Estimates approval probability.
performEnhancedRiskAssessment	Assesses risk across the supplied application data.
generateRecommendations	Recommends products and improvement actions.

TenantMortgageEligibilityScore stores the eligibility result. MortgageScoreFeedback and MortgageScoreInsight provide real-time score feedback and improvement tips.

Preliminary only

An eligibility score is not a mortgage approval, offer or guarantee. It depends on the accuracy of client inputs and does not replace full evidence, credit checks or underwriting.

16 AI Mortgage Assessment for Clients

STEP
7

Review AI Eligibility Assessment

Primary user: Client

MortgageAIAssessmentController presents a detailed assessment, improvement tips and product recommendations.

How the client should use the assessment

1. Review which factors improve or reduce eligibility.

2. Check whether income and debt information is accurate.

3. Review deposit and property-value assumptions.

4. Compare recommended products.

5. Take suggested improvement steps where realistic.

6. Re-run the check only after meaningful information changes.

Explainability and fairness

Eligibility feedback should identify relevant factors without exposing protected decision logic, creating discriminatory treatment or presenting a prediction as a final decision.

17 Phase 4 - Submit a Mortgage Application

STEP
8

Apply for a Mortgage Product

Primary user: Client

Application area	Required information
Mortgage product	Selected product.
Loan amount	Requested principal.
Property value	Value of the intended property.
Down payment	Client contribution.
Property address	Property being financed.
Property type	Residential or other configured type.
Personal information	Name, date of birth, nationality and marital status.
Employment information	Employer, income, employment type and years employed.
Documents	Payslips, bank statements, ID and proof of address.

Submission sequence

1. Select the mortgage product.

2. Enter requested mortgage and property information.

3. Complete personal information.

4. Add employment history.

5. Upload all required documents.

6. Review declarations and consent.

7. Submit the application.

8. Record the application reference and status.

The system creates MortgageApplication, MortgageApplicationPersonalInfo, MortgageEmploymentHistory and MortgageApplicationDocument records. Status begins as Pending.

Personal and financial data

Applications contain highly sensitive information. Access, downloads, exports and retention should be restricted and audited.

18 Automated Credit Check and Application Notifications

ProcessMortgageApplicationCreditCheck is dispatched after submission. It runs the configured automated credit-check process.

Notification / event	Recipient / purpose
NewMortgageApplicationNotification	Landlord or administrator is told that a new application was received.
MortgageApplicationReceivedNotification	Client receives submission confirmation.
MortgageApplicationUpdated	Triggers downstream processing when the application is created or changed.

Credit-check consent and source

Confirm the client's consent, credit provider, jurisdiction, permissible purpose, result storage and dispute process before enabling live checks.

19 Client Application Dashboard

STEP
9

View and Manage Submitted Applications

Primary user: Client

MortgageApplicationController and MortgageMobileController show application status, documents and available credit-check information.

· View all submitted applications.

· Open one application.

· See current status.

· Review submitted documents.

· Review available credit-check result.

· Cancel a Pending application.

Cancellation effect requires confirmation

Confirm whether cancellation stops the credit-check job, removes the application from review, preserves the record and affects any fee or document retention.

20 Phase 5 - Landlord Application Review

STEP
10

View and Filter Mortgage Applications

Primary user: Credit / Risk Analyst

MortgageApplicationController@index shows all applications with client profiles.

Filter	Use
Status	Pending, under review, approved, rejected or conditional approval.
Product	Applications for a selected mortgage product.
Client	Name or email.
Date range	Submission or update period.
Loan range	Requested amount range.

Review checklist

· Client identity and application ownership.

· Product and requested amount.

· Property address, type and value.

· Down payment evidence.

· Income and employment history.

· Existing debt and affordability.

· Credit-check result.

· Required documents and authenticity.

· Currency and converted display.

· Any AI risk flags or market context.

21 AI-Powered Application Analysis

STEP
11

Analyse an Application with AI

Primary user: Credit / Risk Analyst

Action	Purpose
analyzeWithAI	Runs the case-specific landlord analysis.
analyzeMortgageTerms	Reviews the proposed terms.
predictLoanApprovalProbability	Estimates approval probability.
performEnhancedRiskAssessment	Provides enhanced risk scoring.
generateMarketAnalysis	Adds market context.
generateMortgageSuggestions	Suggests a mortgage structure.

Figure 3. AI-powered mortgage intelligence

Human decision record

Record the evidence reviewed, affordability assessment, reason, conditions and approver. Do not store only an AI score as the decision rationale.

22 Application Status Management

STEP
12

Update Application Status

Primary user: Authorised Mortgage Approver

Status	Meaning
Pending	Application submitted and awaiting action.
Under Review	Evidence and underwriting are being reviewed.
Conditional Approval	Potential approval subject to stated conditions.
Approved	Application approved for offer preparation.
Rejected	Application declined under authorised decision.

Figure 4. Mortgage and application status lifecycles

Bulk status update

bulkUpdate can change multiple application statuses. Use it only when each application has been individually reviewed under the same approved decision rule.

Decision communication

MortgageApplicationStatusNotification and MortgageApplicationStatusUpdateNotification inform the client. The message should accurately distinguish review, conditional approval, final approval and rejection.

23 Status Events and Notifications

Item	Recipient	Trigger
MortgageApplicationStatusNotification	Client	Application status changed.
MortgageApplicationStatusUpdateNotification	Client	Detailed status update.
MortgageApplicationLandlordUpdateNotification	Landlord	Confirms the landlord action.
MortgageStatusUpdated	System event	Triggers downstream notification or processing.

24 Application Document Download and Review

MortgageApplicationController@downloadDocument allows authorised landlord users to download supporting documents.

☐	User is authorised for the application.
☐	Document belongs to the application.
☐	Download is logged.
☐	File is scanned and safe to open.
☐	Sensitive data is not forwarded outside authorised channels.
☐	Any authenticity concern is recorded.

25 Phase 6 - Create the Mortgage Offer

STEP
13

Prepare and Issue a Mortgage Offer

Primary user: Mortgage Approver / legal team

Offer field	Purpose
Application	Approved application being offered.
Landlord / client	Offer parties.
Offered loan amount	Approved principal.
Interest rate	Approved rate.
Term years	Approved duration.
Monthly payment	Expected scheduled repayment.
Total repayable	Principal, interest and configured charges.
Offer expiry	Last date for acceptance.
Status	Pending acceptance, accepted, declined or expired.

Offer preparation controls

☐	Offer matches the approved application and conditions.
☐	Rate, term, monthly payment and total repayable are mathematically consistent.
☐	Currency is correct.
☐	Down payment and conditions are clear.
☐	Offer expiry is reasonable.
☐	Required disclosures are included.
☐	Authorised approver is recorded.

Offer is not activation

A pending or accepted offer does not make the mortgage active. Legal and completion conditions must be satisfied first.

26 Offer Acceptance, Decline and Expiry

Offer status	Operational meaning
Pending Acceptance	Awaiting client action before expiry.
Accepted	Client accepted the stated terms.
Declined	Client rejected the offer.
Expired	Acceptance period ended without a valid acceptance.

Expired-offer control

Confirm whether expired offers can be reopened, copied or require a new approval and updated affordability assessment.

27 Mortgage Legal Documents

STEP
14

Create and Manage Legal Documents

Primary user: Legal Officer

MortgageLegalDocumentController manages creation, viewing, download and deletion of legal documents.

Legal document process

1. Select the approved mortgage application and offer.

2. Create or upload the correct legal document.

3. Confirm client, property, amount, rate, term and conditions.

4. Review the final document.

5. Record signing and completion status according to the deployed workflow.

6. Download or distribute through the authorised channel.

7. Retain the document and audit history.

BlockchainDocumentService is injected into the controller so documents can be verified for authenticity where configured.

Blockchain verification is not legal approval

A verification record can support authenticity and tamper evidence. It does not prove that the terms are lawful, fair, signed by the correct party or legally enforceable.

28 Mortgage Document Management

STEP
15

Upload, Export and Verify Mortgage Documents

Primary user: Mortgage and legal teams

Action	Purpose
Upload	Add a mortgage document.
Delete	Remove an authorised document.
Bulk delete	Remove multiple selected documents.
Export ZIP	Download the document set.
Export PDF	Export the document list or configured PDF output.
Export CSV	Export document metadata.
Verify blockchain	Check the stored authenticity record.

MortgageDocumentUpdated should fire when documents are uploaded or changed.

Export contains sensitive data

Restrict ZIP, PDF and CSV exports. Record the user, time, mortgage and purpose of every export.

29 Offer-to-Activation Readiness

Figure 5. Offer, legal document and activation flow

☐	Offer accepted within the validity period.
☐	Approval and conditions remain valid.
☐	Required down payment is confirmed.
☐	Legal documents are complete.
☐	Signatures and authorisations are recorded.
☐	Property and valuation information remain valid.
☐	Loan, rate, term and repayment calculation are final.
☐	Payment schedule inputs are approved.

30 Phase 7 - Activate the Mortgage

STEP
16

Activate an Approved Mortgage

Primary user: Authorised Mortgage Servicing Officer

After the offer and legal conditions are complete, Mortgage.status becomes Active and MortgageAmortizationSchedule records are generated.

1. Open the approved mortgage.

2. Confirm activation readiness.

3. Set the activation or completion date.

4. Change the mortgage to Active.

5. Generate the amortisation schedule.

6. Generate MortgagePayment records.

7. Review the first payment date and amount.

8. Notify and onboard the client.

Activation changes financial obligations

Do not activate a mortgage until all required conditions are confirmed because the amortisation and payment records become the servicing basis.

31 Amortisation Schedule

MortgageAmortizationSchedule stores the full repayment breakdown over the loan term.

Schedule field	Meaning
Period	Instalment sequence.
Opening principal	Principal before the payment.
Interest	Interest allocated to the period.
Principal	Principal repaid in the period.
Total payment	Principal plus interest and configured amount.
Closing principal	Remaining principal after the payment.

Amortisation validation

· Loan amount equals the opening principal.

· Interest rate and payment frequency are correct.

· Term length produces the expected number of payments.

· Principal never becomes negative.

· Final balance is zero or matches the defined residual.

· Monthly payment and total repayable agree with the accepted offer.

· Rounding differences are controlled.

32 Generate Mortgage Payment Records

STEP
17

Generate the Payment Schedule

Primary user: Mortgage Servicing Officer

MortgagePaymentController@generatePayments creates one MortgagePayment record for each due date.

MortgagePayment field	Purpose
Due date	Scheduled payment date.
Principal amount	Principal component.
Interest amount	Interest component.
Total amount	Total due.
Status	Pending, paid, late, missed or other implemented value.

amortizationSchedule displays the full schedule.

Regeneration risk

Confirm whether payment schedules can be regenerated after activation and how duplicate or previously paid records are prevented.

33 Phase 8 - Client Mortgage Dashboard

STEP
18

View Active Mortgages and Payments

Primary user: Client

TenantMortgageDashboardController and MortgageMobileController provide the client mortgage view.

Dashboard item	Meaning
Active mortgages	All current mortgage agreements.
Current balance	Remaining principal or configured outstanding amount.
Monthly payment	Regular repayment amount.
Next due date	Next MortgagePayment due.
Payment history	Verified completed payments.
Payment schedule	All upcoming and previous due dates.
Payment detail	Principal, interest, amount and status.
Prepayment information	Available principal-reduction options and penalties.

Current balance definition

Confirm whether the dashboard balance is principal only, principal plus accrued interest, total scheduled amount or settlement balance.

34 Prepayment Information and Processing

MortgageMobileController@prepaymentInfo shows the permitted prepayment amount, effect and penalty. processPrepayment applies the prepayment.

1. Open the mortgage detail.

2. Review the prepayment information.

3. Confirm minimum amount and penalty.

4. Select the prepayment amount.

5. Choose an available payment method.

6. Complete and verify the payment.

7. Apply the amount to principal according to policy.

8. Regenerate or recalculate the remaining schedule if required.

9. Download confirmation.

Prepayment treatment must be defined

Confirm whether prepayment reduces term, reduces future payment amount, changes interest, creates a fee or requires a new schedule.

35 Phase 9 - Make a Mortgage Payment

STEP
19

Pay a Mortgage Instalment

Primary user: Client

MortgagePaymentController and MortgageMobileController support gateway, wallet and bank-transfer methods.

Figure 6. Amortisation and mortgage payment flow

36 Gateway Mortgage Payment

1. Open the MortgagePayment due record.

2. Create a payment intent with the selected gateway.

3. Pass mortgage, payment, amount, currency and client metadata.

4. Complete the provider checkout.

5. Receive the callback.

6. Verify the provider reference and transaction server-side.

7. Call paymentSuccess only after verification.

8. Use paymentFailure for verified failure.

9. Update the MortgagePayment and send notifications.

Callback is not enough

The mobile or browser return should not alone mark the payment as received. Verify status, amount, currency and reference with the provider.

37 Wallet Mortgage Payment

processTenantWalletPayment debits the client's wallet.

1. Confirm the MortgagePayment is due and not already paid.

2. Convert the amount if the wallet currency differs from the mortgage currency.

3. Calculate the platform fee.

4. Check available wallet balance.

5. Debit amount and fee atomically.

6. Mark the MortgagePayment as paid.

7. Create LandlordPayout.

8. Dispatch ProcessLandlordPayout.

9. Record the transaction and send confirmation.

Atomic processing

Wallet debit, payment update, fee record and payout creation should succeed together or roll back together to avoid financial imbalance.

38 Bank Transfer Mortgage Payment

The client uploads bank-transfer proof. The company reviews and approves or rejects the transfer.

Outcome	Notification
Approved	MortgageBankTransferApprovedNotification to the client.
Rejected	MortgageBankTransferRejectedNotification to the client.

· Proof belongs to the client and mortgage.

· Reference, account, amount and currency match.

· Funds have reached the destination account.

· The transfer has not already been applied.

· Approval or rejection is recorded with the reviewer.

Proof is not payment

An uploaded receipt is evidence submitted by the client. The MortgagePayment should become paid only after confirmed receipt and approval.

39 Payment Notifications, Events and Support

Item	Recipient	Trigger
MortgagePaymentReceivedNotification	Client	Payment confirmed.
MortgagePaymentReceivedLandlordNotification	Landlord	Payment received.
MortgageDownPaymentNotification	Client	Down payment processed.
MortgagePaymentUpdated	System event	Triggers downstream processing after payment change.

contactSupport allows the client to raise a payment issue linked to the MortgagePayment.

Support should preserve context

A payment support request should include mortgage ID, payment ID, client, amount, currency, method, provider reference and current status without exposing credentials.

40 Payment Analytics

STEP
20

Review Mortgage Payment Performance

Primary user: Mortgage Servicing Officer / manager

Metric	Purpose
On-time rate	Payments received on or before due date.
Late payments	Payments received after due date.
Missed payments	Payments not received under the defined rule.
Principal paid	Cumulative principal reduction.
Interest paid	Cumulative interest received.
Outstanding balance	Remaining principal or scheduled balance.

Metric definitions

Document the exact treatment of partial payments, grace periods, bank-transfer pending status, refunds, prepayments and waived amounts.

41 Late and Missed Payments

STEP
21

Mark or Process Late and Missed Payments

Primary user: Mortgage Servicing Officer

MortgagePaymentController@markLate and @markMissed manage manual status changes. ProcessLateMortgagePayments automates late-payment processing and penalties.

1. Confirm the due date and grace period.

2. Check gateway, wallet and bank-transfer activity.

3. Confirm no pending payment is awaiting verification.

4. Mark Late or Missed under the approved definition.

5. Apply the configured penalty if authorised.

6. Send the appropriate reminder or notice.

7. Record support, forbearance or remediation action.

Do not mark missed too early

A delayed callback, pending bank transfer or reconciliation issue can make a payment appear unpaid. Verify before applying penalties or adverse status.

42 Payment Reminders and Scheduled Jobs

Job / notification	Purpose
SendMortgagePaymentReminders job	Sends reminders before due dates.
SendMortgagePaymentReminders command	Runs the scheduled reminder process.
MortgagePaymentReminderNotification	Notifies the client.
ProcessLateMortgagePayments	Processes late status and configured penalties.

Reminder controls

☐	Reminder is linked to the correct mortgage and payment.
☐	Amount, currency and due date are current.
☐	Already-paid payments are excluded.
☐	Client communication preferences are respected.
☐	Escalation timing follows policy.
☐	Repeated reminders do not become excessive.

43 Phase 10 - Mortgage Analytics

STEP
22

Use Portfolio Mortgage Analytics

Primary user: Mortgage management / risk

Metric / insight	Purpose
Total loan book	Principal across active mortgages.
Collection rate	Verified receipts relative to scheduled amounts.
Default rate	Mortgages meeting the defined default condition.
Approval probability	AI estimate for applications.
Enhanced risk	AI risk assessment.
Market analysis	Market context for portfolio decisions.

Default definition requires policy

The supplied scenario refers to default rates but does not define the number of missed payments, days past due or legal trigger. Confirm before reporting.

44 Exports and Mortgage Reports

STEP
23

Export or Email Mortgage Reports

Primary user: Mortgage management

Action	Output
exportPDF	Mortgage portfolio report in PDF.
exportCSV	Mortgage portfolio data in CSV.
emailReport	Sends the report to specified recipients.
MortgageApprovalNotification	Approval email.
MortgageReportAttachmentMail	Email with report attachment.
MortgageWeeklySummary	Automated weekly mortgage summary.

Secure report distribution

Mortgage reports contain financial and personal data. Confirm recipient, purpose, encryption and retention before sending.

45 Phase 11 - SuperAdmin Oversight

STEP
24

Use the SuperAdmin Mortgage Dashboard

Primary user: SuperAdmin

SuperAdmin\MortgageDashboardController and the API controller provide platform-wide mortgage statistics.

View	Purpose
Dashboard stats	Aggregate platform metrics.
Recent mortgages	Recently created or updated records.
Upcoming payments	Platform-wide future due dates.
Mortgages by month	Monthly volume chart.
Amounts by status	Loan values grouped by status.
Top landlords	Landlords ranked by mortgage volume.

STEP
25

Monitor Platform Mortgage Risk

Primary user: SuperAdmin

MortgageMonitoringController supports platform-wide monitoring, high-risk flags, default and collection review and authorised intervention.

SuperAdmin oversight is not silent ownership transfer

Platform intervention should preserve landlord responsibility, decision history, permissions and client communication.

46 SuperAdmin Document and Legal Oversight

STEP
26

Review Mortgage Documents

Primary user: SuperAdmin

SuperAdmin\MortgageDocumentController provides platform-wide document oversight and blockchain verification.

STEP
27

Review Mortgage Legal Documents

Primary user: SuperAdmin

SuperAdmin\MortgageLegalDocumentController supports legal-document oversight and compliance review.

STEP
28

Export Platform Mortgage Data

Primary user: SuperAdmin

SuperAdmin\MortgageExportController supports PDF, CSV and emailed reports.

47 Phase 12 - Government Mortgage Integration

STEP
29

Process Government-Backed Mortgage Applications

Primary user: Government mortgage administrator

MortgageOriginationService@processGovMortgageApplication handles configured government-backed applications. handleRentToOwnScheme supports configured government rent-to-own programmes.

Component	Purpose
MortgageOriginationService	Government mortgage origination and rent-to-own.
NHFComplianceService	National Housing Fund compliance checks.
ExchangeRateService	Currency conversion for government mortgage amounts.
MofiMortgageProduct	Mofi-specific product.
MofiMortgageAmortization	Mofi-specific schedule.
MortgageAmortization	Mofi mortgage amortisation model.

Government programme rules are external requirements

Eligibility, subsidy, NHF, allocation, documentation, approval and reporting must follow the live programme and government authority rules.

48 Phase 13 - Data Diagnostics

STEP
30

Run Mortgage Data Diagnostics

Primary user: Technical / data administrator

DiagnoseMortgageData identifies orphaned records, missing amortisation schedules and payment discrepancies.

· Every application references a valid product and client.

· Every approved active mortgage has a valid offer.

· Every active mortgage has an amortisation schedule.

· MortgagePayment totals align with the schedule.

· Payment status and paid amount are consistent.

· Documents reference valid mortgage or application records.

· No duplicate payment schedule exists.

· Archived and deleted records preserve required relationships.

Diagnostic output requires remediation ownership

Assign each issue to a technical, finance, mortgage or legal owner and document the corrective action.

49 Multi-Currency Mortgage Controls

CurrencyService, CurrencyExchangeService and ExchangeRateService support mortgage amount conversion for landlords and clients.

Currency concept	Meaning
Mortgage currency	Contractual currency of the loan and payments.
Client display currency	Preferred currency used for display.
Landlord display currency	Preferred management currency.
Exchange rate	Rate used for display or approved conversion.
Original amount	Amount retained in the mortgage currency.
Converted amount	Display or processing amount in another currency.

☐	Original loan and payment amounts are preserved.
☐	The exchange-rate source and time are stored or traceable.
☐	Client sees both display and contractual currency where necessary.
☐	Payment is processed in the intended contractual currency.
☐	FX fees and rounding are disclosed or recorded.

FX can change affordability

For cross-currency clients, a converted display does not remove exchange-rate risk. Product and client communications should explain who bears that risk.

50 AI Governance and Fair Lending Controls

Control	Requirement
Data quality	AI output depends on accurate, complete and current information.
Human review	Authorised staff make final decisions.
Explainability	Decision factors and reasons should be understandable.
Fair treatment	Do not use protected characteristics unlawfully or create unfair outcomes.
Consistency	Apply policy and conditions consistently.
Audit	Retain input, version, output and human action.
Privacy	Restrict use of personal, employment and credit data.
Appeal / correction	Provide a process to correct inaccurate information.

AI model performance is not the same as legal compliance

Approval probability and risk accuracy do not by themselves prove fairness, suitability, affordability or compliance.

51 Document and Data Security

☐	Use role-based access for personal, employment and credit data.
☐	Encrypt sensitive documents at rest and in transit.
☐	Log viewing, download, export and deletion.
☐	Scan uploads for malware.
☐	Restrict report and ZIP exports.
☐	Define retention for rejected, cancelled, active and completed cases.
☐	Protect blockchain identifiers and document hashes from unauthorised alteration.
☐	Do not place sensitive data in ordinary notifications.

Sensitive-data classification

Mortgage applications should be treated as high-sensitivity financial records with stricter access and retention than ordinary property enquiries.

52 Operational Status and Exception Matrix

Record	Status	Meaning
Mortgage	Draft	Being prepared.
Mortgage	Active	Agreement activated and serviced.
Mortgage	Archived	Removed from current operations but retained.
Application	Pending	Submitted and awaiting review.
Application	Under Review	Assessment in progress.
Application	Conditional Approval	Approval subject to conditions.
Application	Approved	Approved for offer.
Application	Rejected	Declined.
Offer	Pending Acceptance	Awaiting client action.
Offer	Accepted	Client accepted.
Offer	Declined	Client declined.
Offer	Expired	Acceptance period ended.
Payment	Pending	Due but not confirmed.
Payment	Paid	Payment confirmed.
Payment	Late	Past due under the defined rule.
Payment	Missed	Not received under the defined rule.

Confirm exact production enums

The guide uses the statuses described in the supplied scenario. Confirm exact database enums, transition rules and automated actions.

53 Notifications Reference

Notification	Recipient	Trigger
NewMortgageApplicationNotification	Landlord / Admin	New application.
MortgageApplicationReceivedNotification	Client	Application submitted.
MortgageApplicationStatusNotification	Client	Status changed.
MortgageApplicationStatusUpdateNotification	Client	Detailed status update.
MortgageApplicationLandlordUpdateNotification	Landlord	Decision action confirmation.
MortgagePaymentReceivedNotification	Client	Payment confirmed.
MortgagePaymentReceivedLandlordNotification	Landlord	Payment received.
MortgagePaymentReminderNotification	Client	Upcoming due date.
MortgageDownPaymentNotification	Client	Down payment processed.
MortgageBankTransferApprovedNotification	Client	Bank transfer approved.
MortgageBankTransferRejectedNotification	Client	Bank transfer rejected.

54 Events, Jobs, Commands and Livewire Reference

Component	Type	Purpose
MortgageApplicationUpdated	Event	Application created or updated.
MortgageStatusUpdated	Event	Mortgage or application status changed.
MortgagePaymentUpdated	Event	Payment changed.
MortgageDocumentUpdated	Event	Mortgage document changed.
ProcessMortgageApplicationCreditCheck	Job	Runs automated credit check.
ProcessLateMortgagePayments	Job	Processes late payment penalties.
SendMortgagePaymentReminders	Job	Sends payment reminders.
SendMortgagePaymentReminders	Command	Runs scheduled reminders.
DiagnoseMortgageData	Command	Runs data diagnostics.
MortgagesTable	Livewire	Real-time mortgage table.
MortgageDashboard	Livewire	Real-time landlord dashboard.
MortgageScoreFeedback	Livewire	Real-time eligibility score feedback.
MortgageScoreInsight	Livewire	AI eligibility insight.

55 Backend Models Reference

Model	Purpose
Mortgage	Core mortgage record.
MortgageProduct	Published financing product.
MortgageApplication	Client application and status.
MortgageApplicationPersonalInfo	Personal details.
MortgageEmploymentHistory	Employment records.
MortgageApplicationDocument	Application evidence.
MortgageOffer	Formal offer.
MortgagePayment	Repayment due and status.
MortgageAmortizationSchedule	Full repayment schedule.
MortgageDocument	Mortgage document.
MortgageLegalDocument	Legal mortgage document.
MortgageImage	Property or mortgage image.
TenantMortgageEligibilityScore	Eligibility score.
MofiMortgageProduct	Mofi product.
MofiMortgageAmortization	Mofi schedule.
MortgageAmortization	Mofi amortisation model.

56 Controllers Reference

Controller	Purpose
MortgageController	Mortgage CRUD, AI analysis, portfolio analysis, images and bulk actions.
MortgageApplicationController - Landlord	Application review, AI analysis, status, bulk update and downloads.
MortgageDashboardController - Landlord	Landlord dashboard.
MortgagePaymentController	Payments, amortisation, analytics, wallet, gateway and bank transfer.
MortgageDocumentController - Landlord	Document upload, delete, export and verification.
MortgageLegalDocumentController - Landlord	Legal documents and blockchain verification.
MortgageAnalyticsController	Portfolio analytics.
MortgageExportController - Landlord	PDF, CSV and email reports.
MortgageProductBrowseController	Browse, product detail and application form.
MortgageProductController - Client	Browse, show, apply and submit.
MortgageEligibilityController	Eligibility check.
MortgageAIAssessmentController	Client AI assessment.
TenantMortgageDashboardController	Client mortgage dashboard.
MortgageMobileController	Mobile browse, apply, applications, mortgages, payments and prepayment.
MortgageDashboardController - SuperAdmin	Platform statistics.
MortgageMonitoringController - SuperAdmin	Platform monitoring and risk.
MortgageDocumentController - SuperAdmin	Document oversight.
MortgageLegalDocumentController - SuperAdmin	Legal document oversight.
MortgageExportController - SuperAdmin	Platform exports.
API\MortgageDashboardController	Dashboard API.

57 Services Reference

Service	Purpose
MortgageService	Mortgage retrieval, statistics and currency conversion.
MortgageAIService	Mortgage-term analysis, suggestions and portfolio analysis.
MortgageAnalyticsService	Market analysis, approval probability and risk.
MortgageRecommendationEngine	Personalised product recommendations.
MortgageOriginationService	Government-backed and rent-to-own processing.
BlockchainDocumentService	Document authenticity verification.
CurrencyService	User and property currency context.
CurrencyExchangeService	Mortgage amount conversion.
ExchangeRateService	Exchange-rate retrieval.
NHFComplianceService	National Housing Fund compliance.
FeeCalculationService	Platform fee calculation for wallet payment.
LandlordPayoutService	Landlord payout execution.

58 Worked Example - Residential Mortgage from Application to Payment

Scenario

A real estate company publishes a fixed-rate mortgage product for a completed apartment. A client checks eligibility, applies, receives approval, accepts the offer, signs the legal documents and begins monthly repayment.

Stage	What happens
1. Product	The company creates and publishes a fixed-rate MortgageProduct.
2. Browse	The client reviews loan range, rate, term, eligibility and documents.
3. Eligibility	The client submits income, employment, debts, deposit and property value.
4. AI score	The platform generates approval probability, risk and recommendations.
5. Application	The client uploads ID, payslips, bank statements and proof of address.
6. Credit job	ProcessMortgageApplicationCreditCheck runs.
7. Review	The analyst checks documents, affordability and AI output.
8. Decision	The application moves from Pending to Under Review and Approved.
9. Offer	The company creates a MortgageOffer with amount, rate, term, payment and expiry.
10. Acceptance	The client accepts before the expiry date.
11. Legal	The company creates the mortgage documents and records signatures.
12. Activation	Mortgage becomes Active.
13. Schedule	Amortisation and MortgagePayment records are generated.
14. Dashboard	The client sees balance, payment amount and next due date.
15. Payment	The client pays through wallet.
16. Fee and payout	The platform fee is recorded and landlord payout is created.
17. Confirmation	Client and landlord notifications are sent.
18. Analytics	The landlord sees principal, interest, on-time rate and outstanding balance.

59 Implementation and Onboarding Checklist

Product and policy

☐	Mortgage types and product catalogue approved.
☐	Interest, term, deposit and affordability policies documented.
☐	Application statuses and decision authority configured.
☐	Credit-check provider and consent process confirmed.
☐	Offer and legal document templates approved.

Data and configuration

☐	Properties and values imported or linked.
☐	Currencies and exchange-rate services configured.
☐	Required document lists configured.
☐	Payment gateways, wallet and bank-transfer processes tested.
☐	Landlord bank or wallet payout route configured.
☐	Mofi or government programme setup confirmed where used.

Operations and security

☐	User roles and MortgagePolicy tested.
☐	Document access and export restrictions configured.
☐	Jobs and scheduled commands enabled.
☐	Notifications and email templates reviewed.
☐	Data retention and deletion rules documented.
☐	Diagnostic and reconciliation owners assigned.

60 User Acceptance Testing and Go-Live

Test area	Acceptance test
Mortgage creation	Create each mortgage type and validate fields.
AI auto-fill	Generate and review proposed fields.
Portfolio	Archive, restore, bulk action and filter.
Product	Create, publish and deactivate.
Browse	Filter products and verify currency display.
Eligibility	Submit data and verify score record.
AI assessment	Review recommendations and improvement tips.
Application	Submit personal, employment and documents.
Credit job	Run success, failure and retry cases.
Client applications	View and cancel Pending application.
Landlord review	Filter, download and review.
AI analysis	Run application and market analysis.
Status	Test every valid transition and notification.
Bulk update	Test permission and mixed records.
Offer	Create, accept, decline and expire.
Legal documents	Create, view, download and delete.
Blockchain	Verify valid and invalid document.
Document exports	ZIP, PDF and CSV.
Activation	Confirm readiness checks.
Amortisation	Validate schedule and total repayable.
Payments	Generate MortgagePayment records.
Gateway	Pay success, fail and callback duplicate.
Wallet	FX, fee, debit and payout.
Bank transfer	Approve and reject proof.
Prepayment	Test principal reduction and schedule effect.
Late / missed	Test grace period, reminder and penalty.
Analytics	Validate balances, rates and collections.
Reports	PDF, CSV and email.
SuperAdmin	Dashboard, monitoring and document oversight.
Government	Test configured origination and NHF checks.
Diagnostics	Detect orphan, missing schedule and discrepancy.
Security	Permissions, logging, export and retention.

Pilot before broad launch

Test one product, one property, one application, one offer, one mortgage and one full repayment cycle before wider onboarding.

61 Daily, Weekly and Monthly Operating Procedures

Frequency	Recommended activities
Daily	Review new applications, payment exceptions, bank-transfer proofs, upcoming payments, failed jobs and client support.
Weekly	Review application pipeline, conditional approvals, expired offers, overdue payments, document exceptions and MortgageWeeklySummary.
Monthly	Reconcile mortgage receipts, principal, interest, fees, payouts and balances; review portfolio risk, defaults and reports.
Quarterly	Review product pricing, eligibility criteria, model performance, document templates, government programme rules and access rights.

62 Mortgage Servicing Reconciliation

☐	MortgagePayment records agree with gateway, wallet and bank-transfer evidence.
☐	Principal and interest allocations agree with the amortisation schedule.
☐	Prepayments are applied under policy.
☐	Late and missed statuses are supported by due-date evidence.
☐	Fees are recorded separately.
☐	LandlordPayout records agree with verified client payments.
☐	Refunds or reversals are reflected in balances.
☐	Outstanding principal agrees with the servicing report.

Three balances must agree

The mortgage record, amortisation schedule and sum of payment activity should reconcile to the same outstanding position.

63 Common Issues and Troubleshooting

Issue	Recommended action
Mortgage cannot be saved	Check property, currency, required amount, rate, term and down payment.
Product does not appear	Check is_active, product type, amount filters and permissions.
Converted amount is wrong	Check source currency, user currency and ExchangeRateService.
Eligibility score is missing	Check input validation, analytics service and score record creation.
Application is incomplete	Check required personal, employment and document fields.
Credit check remains pending	Review job queue, provider response, consent and retries.
Landlord cannot download a document	Check MortgagePolicy, application ownership and storage.
Status notification is wrong	Check transition, listener and message template.
Offer monthly payment is inconsistent	Recalculate loan, rate, term and frequency.
Blockchain verification fails	Check document hash, record and verification service.
Mortgage activates without schedule	Run diagnostics and generate amortisation and payment records.
Payment callback is duplicated	Apply idempotency and provider transaction checks.
Wallet payment debited but mortgage unpaid	Review transaction rollback, fee and payment update.
Bank proof was approved twice	Add duplicate and already-paid checks.
Prepayment did not reduce balance	Review allocation and schedule recalculation.
Payment marked missed incorrectly	Check pending gateway or bank-transfer status.
Dashboard balance differs	Confirm principal definition, payments, prepayments and FX.
Report export missing records	Review filters, permissions and status scope.

64 Frequently Asked Questions

Can a real estate company create fixed and variable mortgages?

Yes. The supplied Mortgage record supports fixed, variable, interest-only and rent-to-own.

Can clients compare mortgage products?

Yes. Browse controllers support product detail and filters.

Does the eligibility result guarantee approval?

No. It is preliminary and AI-assisted.

What documents can an applicant submit?

The supplied scenario includes payslips, bank statements, ID and proof of address.

Is a credit check automatic?

ProcessMortgageApplicationCreditCheck is dispatched after application submission.

Can an application be conditionally approved?

Yes. Conditional approval is included in the status transitions.

Can the company create a formal offer?

Yes. MortgageOffer stores amount, rate, term, monthly payment, total repayable and expiry.

Can documents be blockchain-verified?

The supplied design includes BlockchainDocumentService.

How is the payment schedule generated?

MortgageAmortizationSchedule and MortgagePayment records are generated after activation.

Can clients pay through wallet?

Yes, with currency conversion, fee calculation and landlord payout.

Can clients pay by bank transfer?

Yes, subject to proof review and approval.

Can a client make a prepayment?

Yes. Mobile methods provide prepayment information and processing.

Can late payments be processed automatically?

Yes. ProcessLateMortgagePayments is supplied.

Does the module support government mortgages?

Yes, through MortgageOriginationService and NHFComplianceService where configured.

Can reports be emailed?

Yes. Landlord and SuperAdmin export controllers support emailReport.

65 Technical Matters to Confirm Before Production

Area	Confirmation required
Mortgage vs product	Confirm exact relationship between Mortgage and MortgageProduct.
Status enums	Confirm mortgage, application, offer and payment status values.
Rent-to-own	Confirm product type and government integration path.
Eligibility model	Confirm variables, weighting, versioning and explanation.
Credit check	Confirm provider, consent, retry and dispute process.
AI service	Confirm model, data retention, confidence and human review.
Approval policy	Confirm affordability, LTV, DTI, rate and delegated authority.
Offer calculation	Confirm amortisation formula, compounding and total repayable.
Offer expiry	Confirm extension, reopening and reapproval rules.
Legal signatures	Confirm e-signature workflow and completion conditions.
Blockchain	Confirm network, hash, timestamp, cost and verification evidence.
Activation	Confirm required conditions and rollback.
Schedule generation	Confirm rounding, payment dates, weekends and holidays.
Payment status	Confirm Pending, Paid, Late, Missed, Refunded and Partial values.
Gateway callback	Confirm signature, idempotency and verification rules.
Wallet	Confirm transaction atomicity, fees and FX.
Bank transfer	Confirm proof storage, account reconciliation and approval roles.
Prepayment	Confirm penalty, principal allocation and schedule recalculation.
Late penalties	Confirm grace period, amount and legal limits.
Default	Define default and reporting treatment.
Payout	Confirm landlord payout timing, failures and reversals.
Government	Confirm live Mofi, NHF and authority requirements.
Exports	Confirm PDF, CSV, ZIP and email content.
Retention	Confirm application, credit, document and payment retention.

Specification basis

This guide preserves the supplied Mortgage-module terminology and workflow. Where production behaviour was not defined, it is listed for confirmation rather than assumed.

66 Quick Reference - 30-Step Mortgage Operating Flow

1. Create the mortgage or financing record.

2. Use AI auto-fill or analysis as drafting support.

3. Review and manage the mortgage portfolio.

4. Create and publish a MortgageProduct.

5. Client browses and compares active products.

6. Client completes preliminary eligibility input.

7. Generate approval probability, risk assessment and recommendations.

8. Store the TenantMortgageEligibilityScore.

9. Client reviews AI score feedback and improvement tips.

10. Client submits the mortgage application and documents.

11. Create personal and employment records.

12. Dispatch the automated credit-check job.

13. Notify landlord and client.

14. Landlord reviews applications and evidence.

15. Run AI application, risk and market analysis.

16. Move application to Under Review.

17. Approve, reject or conditionally approve.

18. Create the MortgageOffer.

19. Client accepts, declines or lets the offer expire.

20. Create and manage legal and mortgage documents.

21. Verify document authenticity where configured.

22. Activate the mortgage after completion conditions.

23. Generate amortisation and MortgagePayment records.

24. Client views balance, schedule and next due date.

25. Client pays by gateway, wallet or bank transfer.

26. Send payment confirmations and update analytics.

27. Process reminders, late or missed payments.

28. Process prepayment and recalculate where required.

29. Review portfolio analytics and export reports.

30. Run SuperAdmin oversight, government processing and data diagnostics.

Business value

Leaseora's Mortgage module gives a real estate company one connected workflow for product design, eligibility, application, underwriting support, offers, legal documentation, amortisation, repayment, client service, analytics and oversight.

LEASEORA

MORTGAGE MANAGEMENT

Create, assess, approve, activate and service mortgage products from one connected platform.

Support and onboarding

For Mortgage-module onboarding, product setup, application workflow, payment configuration, document management or integration assistance, contact Leaseora through support@leaseora.com.

leaseora.com

Was this article helpful?

Your feedback helps us improve our documentation.

Back to Knowledge Base More in MORTGAGE

Article Info

Category MORTGAGE

Reading Time 38 min

Published Jul 29, 2026

Tweet Share

🤝

Need more help?

Our support team is available to assist you.

Contact Support