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First digital mortgage robo advisor

SmartexLab has helped to revamp the UI and front-end functionality of a web application for anyone who wants to learn about or apply for a mortgage in the Netherlands, and for bank employees who process mortgage applications.


  • Fintech

Engagement model

  • Time & material


  • 5 months

Tech Stack

  • PHP
  • Symfony3
  • AngularJS 1.5
  • Angular-Formly
  • Flux
  • CloudControl/Heroku

Key features and highlights

  • Gathering clients’ data
  • Various mortgage options suggestions
  • Offers comparison
  • Meets all the requirements of the user data protection standards

Business challenge

A Netherlands-based startup EyeOpen requested the help of SmartexLab to redesign a product that already had more than 1 million active users by creating a completely new UI and developing several additional modules and embedding them into the whole system infrastructure and data flow.

Delivered solution

In order to satisfy the client’s requirements, SmartexLab helped to develop a web application that allows for the gathering of client data, mortgage calculations and cost decomposition, advising of the best insurance options, connection with a consultant via chat and integration with other system modules.

  • Gathering client data

The solution allows for the gathering and processing of large amounts of sensitive financial and personal data volumes for each borrower.

  • Mortgage calculation

A mortgage is a long-term loan and the delivered solution helps to calculate the amount of principal repayment and the interest payments to the bank.

  • Integration with other system modules

The developed web application is integrated with system modules in the fields of loan operations, underwriting, sensitive data storage and CRM.

Project results

After SmartexLab had helped to revamp the UI of the product, it raised 10 million euro, was acquired by a transatlantic insurance and investment conglomerate and integrated with their online retail bank in Netherlands.

The first digital mortgage advisor serves everyone thinking about buying a house and seeking to assess the risks.

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