Mortgage eligibility, backed by real property intelligence.
Instant valuation + confidence + comps, then an affordability pre-check — packaged into a structured case for Intesa-style underwriting.
- Audit Trail
- Confidence Score
- Shareable Reports
- Partner Widgets
< 3 min
Property to pre-check
0.87
Avg. confidence score
1 flow
Structured case intake
The Product
From property → valuation → eligibility in one flow.
How it works
Three stepsCapture the property
- Address search or pin drop
- Apartment/house attributes in under 60 seconds
- Land mode: draw polygon to calculate area
Produce defensible valuation
- Value band (low / mid / high)
- Comparable properties on a map
- Confidence score + 'why' factors
Convert to a mortgage case
- Affordability estimate (income + obligations + down payment)
- Indicative payment range
- Structured case for bank review
Land Module
Land valuation with polygon draw.
For developers, investors, and property-backed lending — quantify area, constraints, and value range fast.
Constraint Flags
As-is value
€45k – €62k
If buildable
€110k – €145k
Reports & Sharing
Reports that close deals.
One-click PDF exports with comps, assumptions, model version, and audit trail.
What's inside
Comparison
Why this beats calculators and contact forms.
Pricing
Pricing that scales from pilot to rollout.
Pilot
For banks starting with mortgage eligibility pre-checks.
Custom
Partner Channel
For developers and agencies embedding eligibility flows.
Custom
Institution
For full deployment with policy control and monitoring.
Custom
FAQ
Why we built this
Albania's mortgage market has been growing, but the tools haven't kept up. Banks still rely on manual processes, disconnected spreadsheets, and phone calls to estimate property values and assess eligibility. Borrowers wait days for a pre-check that should take minutes.
We built Vatra to fix that pipeline. Not with another calculator that gives you a number and no context — but with a system that produces a valuation you can defend, comps you can trace, and a structured case that a credit team can actually work with.
The goal is straightforward: reduce time-to-decision for the bank, improve transparency for the borrower, and give partners a way to generate qualified mortgage leads instead of contact forms.
This is v1. We ship, we measure, we iterate.
[Founder Name]
Founder, Vatra
Ready to modernize mortgage intake?
See how Vatra can reduce your time-to-decision and give borrowers transparency they haven't had before.