Company: Mortigo
Industry: Mortgage Brokerage
Location: Dubai, United Arab Emirates
Use Case: Multi-bank mortgage application automation
Primary Forms: UAE home loan and commercial property applications (English)
Languages: Primarily English for form completion, bilingual documentation compliance maintained by banks
Time Savings: ~75% reduction in form completion time
Executive Summary
Mortigo, a Dubai-based mortgage broker, needed to streamline how they process client applications across multiple UAE banks. Every client seeking mortgage quotes requires separate applications for each bank, with each institution using its own form format and field structure. What previously took 30 to 40 minutes per bank now takes 8 to 10 minutes using Instafill.ai’s batch filling feature.
About Mortigo
Mortigo operates as a mortgage broker in the United Arab Emirates, connecting property buyers with financing solutions across major banking institutions. As intermediaries between clients and lenders, mortgage brokers must navigate multiple banks, each with different application requirements, documentation standards, and form structures.
The UAE mortgage market is highly regulated. The Central Bank of the UAE enforces strict lending criteria and consumer protection measures. Loan-to-value caps, debt burden ratios, mandatory insurance, and cooling-off periods all require precise documentation. For brokers, speed and accuracy directly impact client satisfaction and conversion rates.
The Challenge: Multiple Bank Forms
Mortigo works with several UAE banks, each requiring its own application form:
Commercial Bank of Dubai (CBD)
Home Loan Application Form: 7 pages covering personal details, employment information, income documentation, existing liabilities, property specifications, insurance options, and regulatory declarations.
Business Loans & Commercial Property Application Form: 16 pages for business financing and commercial real estate, including company information, shareholder details, financial statements, property details, and commercial loan specifications.
Emirates NBD Bank
Application Form for Property Loan or Loan Against Property: 5 pages covering personal details, employment information, income verification, property details, loan specifications, insurance coverage options, and data privacy consents required by the Central Bank of the UAE.
Customer Consent Form for Release of Statement of Account: Specialized authorization enabling the bank to request account statements through the UAE Central Bank’s Financial Transaction System for income verification purposes.
Abu Dhabi Islamic Bank (ADIB)
Home Finance Application: 9 pages featuring Sharia-compliant terminology, detailed household expenditure assessment, co-applicant provisions, takaful (Islamic insurance) options, and mandatory cooling-off period acknowledgments.
Dubai Islamic Bank (DIB)
MyHome Finance Application Form: 8 pages featuring the MyHome product selector, rate type options (fixed/variable), takaful choices, budget planning tools, and flexible Islamic financing structures.
Each form structures information differently. What CBD calls “Basic Salary (Monthly)” might appear as “Monthly Basic Salary” at ADIB or “Salary (Monthly)” at DIB. Property sections, employment details, liability declarations, and insurance options all follow different layouts and field groupings across banks.
The Solution: Batch Form Filling
Mortigo implemented Instafill.ai to automate their multi-bank mortgage application workflow. The platform’s bulk form filling addressed the repetitive data entry challenge.
Workflow for Each Bank Form
- One-Time Form Setup: Upload a PDF form. AI analyzes structure, field types (text/date/checkbox), and logic.
- Spreadsheet Preparation: Column headers like “FullName”, “EmiratesID”, “MonthlySalary”, “PropertyAddress” match form fields. Each row contains one client’s complete data.
- Batch Processing: Upload CSV → AI auto-maps columns to fields → generates individual filled PDFs per row (2 minutes for 100 clients).
- Review & Merge: Download filled forms; optionally merge multiple client PDFs into one submission file.
Multi-Bank Implementation
Mortigo created separate batch jobs per bank:
- CBD Home Loans: 7-page form → spreadsheet with client rows → 100+ filled applications.
- DIB MyHome: 8-page form → separate spreadsheet → batch Islamic finance applications.
- Cross-Bank Consistency: Core client data (name, income, property details) copied from master spreadsheet to each bank’s CSV.
Example: Processing 50 CBD applications → upload 50-row CSV → receive 50 individual filled PDFs in minutes vs. 25-33 hours manually.
Results: Same 70-75% time savings achieved through bulk client processing per bank, not single-client multi-bank automation. Brokers handle 2-3x more volume by batching high-volume client lists efficiently.
Results
Time Comparison: Manual vs. Automated
| Metric | Manual Process | With AI form filler | Improvement |
|---|---|---|---|
| Time per single-bank application | 30-40 minutes | 8-10 minutes | 70-75% reduction |
| Time for 4-bank comparison | 120-160 minutes | 30-40 minutes | ~75% reduction |
| Application rejection rate | 8-12% | <2% | 85%+ reduction |
Operational Impact
For a typical mortgage broker handling 15 clients monthly:
- Time saved: 30 to 40 hours monthly
- Additional capacity: 10 to 15 more clients monthly without increasing staff
- Faster quotes: Clients receive multi-bank options the same day instead of 2 to 3 days later
Competitive Advantage
Brokers using batch form filling can provide same-day quotes from multiple banks. They handle more clients without proportional cost increases. Faster response times translate to better service. Accuracy and professionalism build a stronger reputation.
Why This Matters for Mortgage Professionals
For Mortgage Brokers
Repetitive data entry is eliminated. Administrative overhead decreases. Teams can focus on client consultation rather than paperwork. Business scales without proportional staff increases.
For Individual Mortgage Advisors
Advisors can process 2 to 3 times more client applications daily. Time redirects toward client relationships and deal closing. Evening and weekend paperwork burden reduces. Work-life balance improves.
For UAE Property Buyers
Applications process faster. Documentation is accurate and professional. True multi-bank comparison shopping becomes possible. Application errors and delays are reduced.
Industry Context
The UAE Mortgage Market
The United Arab Emirates maintains one of the most regulated and sophisticated mortgage markets in the Middle East. The Central Bank of the UAE enforces strict lending criteria, consumer protection measures, and documentation requirements designed to ensure market stability and protect borrowers.
Key market characteristics include:
- Loan-to-value caps: 80% for UAE nationals, 75% for expatriates (first property)
- Debt burden ratio: Maximum 50% of gross monthly income for loan repayments
- Mandatory insurance: Life and property insurance is required for all mortgage loans
- Cooling-off period: Consumers have 5 business days to cancel without penalty
The Mortgage Broker Role
The complexity of the UAE’s banking landscape makes mortgage brokers essential intermediaries. With over 20 institutions offering home loans, each with different rates, terms, and requirements, brokers provide multi-bank comparison shopping, application preparation and submission, documentation guidance, negotiation with lenders, and end-to-end transaction management.
Documentation Standards
UAE mortgage applications require extensive documentation standardized across the industry:
Personal Documentation: Valid passport with residence visa, Emirates ID, proof of address (utility bill or tenancy contract), references (UAE and home country)
Income Verification: Salary certificate (original, not older than 30 days), bank statements (last 6 months showing salary credits), employment contract or letter, additional income proof (rental income, investments, etc.)
Property Documentation: Reservation agreement or MOU, property valuation report, developer’s payment plan, NOC (No Objection Certificate) from developer
Financial Disclosures: Liability letter from all banks where accounts are maintained, credit bureau report, asset declarations, existing loan and credit card details
Each bank requires these documents to be formatted and presented according to their specific standards. This creates another layer of complexity that brokers must navigate.
Key Takeaway
Mortigo’s implementation of Instafill.ai shows how mortgage brokers can transform a document-intensive process into a streamlined, accurate, and scalable operation. By eliminating repetitive data entry across multiple bank applications, mortgage professionals can redirect their expertise toward providing advisory services, strengthening client relationships, and driving business growth.
The UAE mortgage market’s combination of regulatory complexity and competitive multi-bank landscape makes automation more than a convenience. It becomes a strategic necessity. Brokers who adopt these tools gain significant competitive advantages, including faster client service, higher accuracy, greater capacity, and improved profitability.
For mortgage professionals managing 5 to 50+ applications monthly, the cumulative impact is substantial. Hundreds of hours are reclaimed. Thousands of potential errors are prevented. The ability to serve clients at a scale previously impossible without proportional staff increases becomes a reality.