Digital mortgage infrastructure for Europe
Mortgages still run on paper. Yours don't have to.
Banclo is the digital layer between brokers, clients and banks: branded online applications, files that complete themselves, offers in days instead of weeks. Live this afternoon, free to start, no IT project.
Your first 10 applications are free. No card, no setup fee.
Built for intermediaries across Europe
The problem, from both sides of the desk
Everyone in the mortgage is waiting on the same file
- Evenings spent chasing payslips and statements
- Every application rekeyed into a lender portal
- Clients who expect answers at 10pm get voicemail
- Compliance files assembled by hand, hoped-for not proven
- Broker files arrive incomplete and on paper
- Weeks from application to offer, cost per file climbing
- Origination tied to branch hours and branch staff
- Digital-native customers go to whoever answers first
Both sides are losing the same thing: time.
The file is the bottleneck. Banclo makes it digital, complete and shared, so the broker stops chasing, the bank stops waiting, and the client stops wondering.
Everything a digital brokerage needs
One platform, your brand on all of it
Embeddable calculators
Repayment and affordability calculators on your own website, in your colours. Every result becomes a lead.
Digital fact find
Clients apply from their sofa. Mobile-first, resumable, prefilled.
Document engine
Checklists, reminders and extraction. The chasing happens without you.
Client portal
Live status for every applicant, under your logo and domain.
E-signatures
Fee agreements, consents and disclosures signed in minutes.
Compliance you can prove
GDPR consent capture, disclosure packs and a timestamped audit trail on every case.
3.5 hrs
admin per case, reported by brokers across surveys
2.1 hrs
of document chasing per file, per industry research
42%
of cycle time spent on documents in a typical file
45 min
of rekeying per case into lender portals
Figures from published broker-industry research, not Banclo claims Sources
No IT, no project
One line of code, or no code at all
Paste one line into your existing website and your calculators and application form go live. No website? Use your hosted Banclo page and just share the link.
- Works on any website builder
- Hosted page included on every tier, even Free
- Your logo, colours and domain
<script src="https://embed.banclo.com/w.js" data-broker="your-firm"></script>
Documents
Stop chasing documents
Every case gets a checklist. Clients upload from their phone, Banclo reads and files what arrives, and reminders go out automatically until the file is complete.
- Automatic reminders until every item is in
- Payslips, IDs and statements extracted and classified
- You get one notification: file complete
Compliance
Compliance you can prove, not compliance you hope for
Consent capture, disclosure documents and evidence of research, generated as you work and stored with a timestamped audit trail. When the regulator asks, you export the pack.
- GDPR consent recorded on every application
- Pre-contract disclosure pack per case
- Full audit trail, exportable in one click
One platform, two ways in
The message converges. So do the products.
Your digital arm, live today
Branded applications, portal and document engine. Start free, self-serve, no IT project.
- Start free, pay per task when the pipeline grows
- Complete files, ready for any lender
Digital origination without rebuilding the bank
White-label intake and workflow, and complete digital files from the broker channel instead of paper ones.
- Your branch, without the branch
- Every broker on Banclo submits complete files to you
- Proven live: a branch walk-in to a term sheet in six minutes
Trusted by Malta's banks
Every committee of the Malta Bankers' Association runs on a Banclo module.
The MBA — the association of Malta's licensed banks — has adopted a Banclo module as the platform for all of its committees: an end-to-end encrypted workspace where members draft, share and sign off documents. The same engineering, security and hosting stand behind everything on this site.
Malta Bankers' Association · platform provider for all committees
Brokers like you
"I got my evenings back. Clients apply at 10pm and the file builds itself while I sleep."
Sole adviser · pilot programme
"Same team, more cases, zero rekeying. The pipeline board runs our Monday meeting now."
Firm director · pilot programme
A digital front door. Human advice. Your clients always talk to you, never to a bot.
From the Banclo blog
Reading for brokers and banks on Malta's property market
Start free. Pay for the work the platform does.
The Free tier includes your branded calculators, a hosted application page and your first 10 applications, every stage included. After that you pay per task — and first-stage tasks stay free on every tier.
See mortgage broker software pricing →