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Automate applications, assessments, and lending decisions in one guided digital experience. Mortgage and loan applications are some of the most complex and high stakes journeys in financial services. Institutions must gather detailed financial information, verify data across systems, and apply strict credit policies while ensuring customers receive a clear explanation of what they can afford. Traditional processes often involve long forms, manual checks, slow response times, and inconsistent internal handovers. Wizflow helps lenders digitise and streamline these journeys so customers can move from initial exploration to pre qualification and full application through a structured and intuitive experience. Lenders gain consistent decision making, reduced operational work, and the flexibility to adjust credit policy logic without development cycles. Below is a simple example of how Wizflow can support mortgage processes.

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Example: Mortgage and Financial Pre Qualification Flow

The flow can begin by pulling details such as name, address, and email from the lender’s CRM. Customers then review this information and make corrections if needed. This prevents duplicate data entry and ensures the assessment is based on accurate and up to date information.
Customers provide details about their civil status, employment, and any dependents. If there are children in the household, the flow automatically collects their ages to calculate budget requirements. This adaptive structure ensures the flow remains relevant regardless of household complexity.
The flow collects salary information, additional income sources, car loans, student loans, consumer loans, and any other commitments. These inputs are used to calculate annual income and total non housing debt. This creates a complete picture of the customer’s financial situation.
Customers can either enter their disposable income manually or use a built in budget calculator. The calculator collects itemised income and expenses to create a precise and consistent disposable income figure. This makes the assessment easier for customers and more reliable for lenders.
If needed, the flow can fetch pension information through secure authentication. This provides an additional financial layer for more accurate assessments and helps lenders offer more personalised guidance.
The flow gathers information about the customer’s current home, outstanding loans, and whether the property will be sold. Equity, savings, and investments are combined to calculate available capital for the new purchase. This creates a foundation for evaluating what the customer can afford.
Customers enter the estimated purchase price of the new home and select a preferred loan to value percentage using an interactive slider. This allows the system to calculate the expected loan amount and provide immediate clarity for the applicant.
A set of variables and formulas evaluate:
  • Annual income
  • Total debt
  • Debt factor
  • New loan amount
  • Required disposable income based on household size
  • Whether the customer meets these minimums
These calculations create a consistent foundation for eligibility decisions.
A decision point evaluates whether the applicant meets the lender’s criteria. Examples include:
  • Whether a co applicant still needs to provide information
  • Whether the debt factor exceeds the maximum allowed threshold
  • Whether the disposable income is below the required minimum
If all criteria are met, the customer is pre qualified. If not, the flow provides a clear rejection message identifying the failing factor.
For approved customers, the flow generates a personalised PDF loan certificate using the collected data and calculated variables. This document can be downloaded and used immediately during the home buying process.
Regardless of outcome, the flow sends all updated information back to the CRM so lenders have a complete and consistent record. This eliminates manual data entry and keeps all systems aligned.

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Why it matters

Wizflow helps lenders deliver faster and more transparent mortgage experiences while maintaining accuracy and compliance. Customers receive clear guidance and immediate feedback on their eligibility. Lenders reduce manual review time, improve data quality, and adapt quickly to changing regulations and market conditions. This pre qualification flow is just one example. The same approach applies to refinancing, affordability checks, loan adjustments, documentation workflows, and many other mortgage related journeys.