Summary
Key results
One unified platform for customers, advisors, and banks—from initial simulation to loan disbursement
Stable, scalable architecture based on a modern technology stack and CI/CD
Digitizing a complex mortgage process
The German mortgage market is highly complex – customers can choose from hundreds of banks, various financing options, and constantly changing market conditions. For years, Interhyp has built its competitive advantage by combining broad access to offers with an advanced technology platform and personal advisory services.
With the increasing digitization of financial services and evolving market dynamics (including interest rate fluctuations and growing customer expectations for seamless online experiences), further simplification and automation of the mortgage process became essential.
The objective was to build a new platform – “ehyp home” – that would connect customers, advisors, and banking partners within a single system. The entire process – from the first consultation, through creditworthiness assessment and offer comparison, to application submission and credit decision—was to be handled within one consistent environment.
The legacy system, developed over many years, required a gradual transition to a microservices architecture, along with scaling IT team capabilities. The transformation was carried out incrementally – individual business domains were migrated step by step to the new architecture, while the existing monolith remained in use. Most of the business logic has already been replicated in the new version of the application, and an increasing number of users and brokers are being onboarded to the new services.
Microservices platform and a nearshore team integrated with Interhyp
Sii Poland built dedicated development and testing teams that operate as an integral part of Interhyp’s product teams. In addition to implementation and testing, Sii specialists also provided consulting support in architecture and solution design, acting as a fully embedded extension of Interhyp’s organization. The collaboration is based on agile methodologies, continuous interaction with product owners, and a deep understanding of the German mortgage market. At peak, up to 27 Sii specialists were involved in the project – primarily developers, with additional support from QA experts, Product Owners, and UX specialists as needed.
The scope of work included:
- Developing successive services within a microservices architecture to ensure business continuity and minimize risk for users
- Building services supporting the full mortgage process–from capturing customer data and needs, through multi-bank offer simulations and advanced financial calculations, to preparing loan applications for selected banking partners
- Creating a modern frontend for advisors and partners by developing applications that streamline advisors’ work and integrating with banking systems
- Implementing asynchronous communication and external integrations for communication between microservices and partner systems, enabling easier onboarding of new banks and loan products
- Ensuring quality and test automation to accelerate releases and reduce regression risks
- Developing and maintaining security and access management components in line with strict data protection requirements in the financial sector
As a result, Interhyp is building the next generation of its mortgage platform – flexible, scalable, and ready to leverage modern technologies such as advanced scoring models and automated document processing.
Faster credit decisions and a scalable platform for banks, advisors, and customers
The new microservices-based platform enables Interhyp to further automate and simplify one of the most important financial processes in a customer’s life – obtaining a mortgage. Instead of multiple fragmented steps and manual actions, advisors work within a single system that guides them through the entire journey – from analyzing the customer’s situation, through selecting the best offer from around 500 banks, to submitting a complete application to the chosen partner. This translates into shorter processing times, fewer errors, and a more predictable end-to-end experience.
From a business perspective, Interhyp gained a single, unified platform that allows new products and services to be developed as independent services – without the need to redesign the entire system. Cloud architecture, automated testing and deployment, and close collaboration with Sii Poland teams enable efficient scaling while maintaining high quality, even as the number of users and banking partners grows.
The cooperation model covers not only the development of new features but also ongoing platform maintenance, enabling Interhyp to evolve the system continuously and securely. As a result, the company can consistently execute its strategy: combining technological excellence with personal advisory services to offer customers in Germany a more transparent, faster, and secure mortgage financing process.