A system for mortgage advisors — from lead to signing and refinancing

Software for mortgage advisors brings the work on the case together: leads and opportunities, borrowers and incomes, collecting documents from the client, mixes and comparing offers, tracking with each bank, an invoice for the fee and refinancing reminders. In Base every case is opened from the opportunity that was closed, and all the stages are on one board.

Each borrower gets their own link, by WhatsApp or email, and uploads the documents through it from the phone without registering. In the case you see what arrived and what is missing, and approve or reject each document. A rejected document returns to the borrower with the reason, and the borrower sends it again through the same link.

You build a mix from tracks and type in the interest rates. The system calculates a Spitzer or equal principal schedule and shows the first payment, the peak payment, the total repayment and the predicted total rate by the Bank of Israel's formula. Linkage and rate changes are calculated on the forecasts the Bank of Israel publishes, or on assumptions you type, and the assumptions are printed beside the result. This is an estimate, not a bank offer: the advisor types the banks' rates, and they are not pulled from the banks.

Yes, as a warning. The comparison shows the financing rate, payment to income, variable-rate share and term against the limits of Proper Conduct of Banking Business Directive 329, and counts commitments only above 18 months, as in the appendix to the directive. The bank makes the decision, so the system does not block anything.

Type the balance report of the existing mortgage, and the system compares it with every mix and offer on the case by the rule in section 15a of Directive 451. When there is no report yet, the prepayment fee is calculated by the Banking Order on the typed average rates, and it is marked as an estimate. A fee from the bank's report always takes precedence over the calculation. The refinance radar gathers clients who drew a mortgage and orders them by the estimated saving against the typed rates.

Yes. On the case, mark a reduced-price home and type the price and the appraiser's valuation, and the system calculates the financing rate by section 4a of Directive 329, including the ceiling of NIS 2.1 million, and checks the minimum equity. This is a warning only, and the bank is the one that decides.

No. The system tracks and does not submit: for each bank in the case, the signed authorisation, the submission date, the approved amount and the validity of the approval in principle are recorded. On the “With the banks” screen you see approvals that are expiring, banks that have not replied and banks that do not have an authorisation yet.

The clients' files and cases of mortgage advisors are stored encrypted on disk, and every download of a client file is logged with the user's name. A borrower's documents link is personal, can be cancelled at any moment, and expires after 30 days. By default no borrower record is sent to an AI service, and this can be turned on in the settings.

Yes. From the case you open a fee document, a fixed amount or a percentage of the mortgage amount, and it opens filled in for review before it is issued. You can also set billing milestones, for example at the signing stage, and the system reminds you when the stage is reached.

With Base CRM the first month on the full plan is free, no credit card needed. After that, ₪29 a month for the whole business, up to 10 team members. Larger teams get a custom price.