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Swiss AI platform

Mortgages

From document chaos to a decision-ready dossier in seconds

Mortgage dossiers arrive in disarray: e-mails, scans, photos, Word documents and plans - often 50 to 150 pages in dozens of file formats. Before a specialist can even think about the financing, half an hour goes on administrative tasks. HypoDossier eliminates this tedious work.

HypoDossier “Documents” view: the dossier is organised by person, with a recognised passport, identity card and debt enforcement extract, including name and date.

Document intelligence Built for complexity at scale

Supported input formats
40+
Recognised document types
250+
Extracted data points
1,000+

One of the biggest operational burdens in retail banking

Half an hour of preparation per dossier, multiplied across all open cases - manual dossier preparation is one of the biggest operational burdens in retail banking. Work that arises before anyone has assessed the substance of a case.

HypoDossier was built for this process and proven here first - and today it is part of daily production at 25 Swiss financial institutions.

Process overview

Three stages One pipeline

Each stage lightens the load of the next: formatted documents are classified, classified documents are analysed - until the dossier is ready for a decision.

  1. Incoming files such as e-mails, images and spreadsheets are merged into a prepared dossier HD-2026-0917.

    01.Process files

    Standardise incoming documents to ensure reliable processing.

    • Import e-mails
    • Rotate pages
    • Delete blank pages
    • Convert to PDF
    • Separate documents
    • Combine documents
  2. Classified, 22 files processed: Swiss passport and debt enforcement extract under Person, tax return, bank document and salary certificate under Finances, pension fund certificate under Pensions.

    02.Classify documents

    Structure and organise the documents within the file.

    • File in a controlled way
    • Name documents
    • Split documents
    • Organise dossier
    • Check completeness
    • Archive documents
  3. Extracted property data with source: year of construction 1984, net living area 186 m², plot area 753 m²; a discrepancy between three sources has been detected for the building volume.

    03.Extract data

    Extract, enrich and validate decision-ready data.

    • Identify obstacles
    • Measure areas
    • Extract data
    • Enrich with GWR data
    • Validate data
    • Integrate data

Decision-ready

Pre-checked before the file is opened

The dossier does not just arrive structured and formatted - it is checked as well.

  • Pre-check with one open item: document types and proof of identity, income and equity have been checked; the property documents are flagged as incomplete.

    Pre-checked

    Every dossier is checked against hundreds of mortgage-specific criteria before processing - for a faster, better-informed decision.

  • Property valuation, sales documentation, land register extract and building insurance are cross-checked: check complete, 4 of 4 sources matched, property data consistent.

    Cross-checked across documents

    Information is cross-checked between all submitted documents and against official registers to ensure consistency and completeness.

  • Dossier data with flagged items (inconsistent property data, missing mandatory documents, multiple source values, missing document assignment) next to the source document for manual review.

    Discrepancies flagged transparently

    Contradictions, risks and missing information are clearly highlighted - not automatically interpreted or resolved.

  • Credit assessment with lending value, mortgage amount, loan-to-value, affordability and equity; the decision is pending and the specialist chooses “Approve” or “Reject”.

    The decision stays with people

    HypoDossier delivers a structured basis for decisions and an audit-ready dossier. The credit decision is always made by the specialist.