The mortgage engine

We provide a digitized lending system

Näktergal's automated lending system.

Customers ❤️ digitized mortages

Apply where you are

Response in seconds, not days

Efficiency ⇨ lower rates ⇨ cheaper living

The tech behind the mortgage challengers

Improve your offering

Our efficiency means lower costs for you so that you can offer lower interest rates.

Grow your volumes

A highly automated system makes it easy to grow and handle very large volumes.

Get happier customers

User-friendly and fully digitized customer onboarding leads to high conversion rates.

Digitized mortgage loans

Data visualization


The Näktergal system digitizes and automates the lending process - from when the customer starts applying all the way until the loan is fully paid.

You can focus on analyzing loan performance and customer behavior using a built-in data warehouse and data visualizations.

Easy-to-use backoffice

One existing installation of the system handles 25 000 applications monthly, with 95% automation and only 2 credit handlers (1 would have been enough but they want redundancy).


How we do it

Collaboration beats competition

In order to offer the best in fintech, we built our platform for cooperation. This allows us to offer a shining array of best-of-breed functionality, from digitized mortgage agreements to fraud detection AI and machine learning for credit scoring.

An array of the best fintech has to offer

366 000

customers handled


in applications


banks and lenders signed



The tech behind the mortgage challengers


DI Digital writes about how legacy banks could lower their mortgage rates by 20 points.

Since the new legislation opened up the swedish mortgage market for non-bank challengers, Dagens Industri has kept a close watch on the development. Now, they take a look at the tech enabling new actors to challenge the big banks. We at Näktergal are now looking for more challengers that want to get on our platform. Together we can revolutionize mortgages and drastically lower the cost of living for a lot of people.

Läs artikeln på DI Digital

Meet Swedish Startups

Interviewed by Meet Swedish Startups


Meet Swedish Startups interviewed our Erik Bennerhult about how we are changing the world of mortgages.

Meet Swedish Startups is a project aimed to facilitate knowledge sharing and learning among startups, inspire young people to become entrepreneurs and raise awareness about the Swedish startup scene. It aims to bring the startups of Sweden closer to us and closer to each other.

See the interview

Back to school


We're strenghtening our competence in mortgages through SwedSec.

We have been building lending systems for quite a while and have a good understanding of digitizing mortgages. But when it comes to provisioning of service, legislation or the home purchase procedure, we're far from experts. This is why we jumped at the chance when we got the opportunity to go back to school and then take SwedSec's licensing exam for mortgage loans.

About SwedSec

Tyska Brinken 28
111 27 Stockholm