Altiva Wealth
Altiva Wealth is building a digital mortgage platform for the estimated 150,000+ non-resident owners of Croatian property across 105 countries. The platform will bring the entire financing workflow online—from prequalification in days to document submission in the applicant's own language and remote closing via electronic signature or power of attorney. It covers four use cases: buying, refinancing, renovating, and unlocking equity, with financing amounts ranging from under €100K to over €1M.
- Property Technology
- Financial Technology
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Non-resident owners and buyers of Croatian property face a fragmented, slow mortgage process that requires multiple in-person branch visits, local document translation and notarization, and travel to Croatia for signing. This creates significant friction, delays decisions by weeks or months, and discourages owners from refinancing or unlocking equity in their properties.
Solution
Altiva Wealth is developing a digital mortgage platform tailored specifically for the estimated 150,000+ non-resident owners of Croatian property spread across 105 countries. The platform intends to bring the entire financing workflow online, from prequalification in days to document submission in the applicant's own language and remote closing via electronic signature or power of attorney. A dedicated credit concierge will guide each client through the process end-to-end. The service covers four main use cases: buying a property, refinancing an existing mortgage, renovating, and unlocking equity while retaining ownership. The company is starting in Croatia and plans to expand across Europe.
Target Audience
Primary customers are non-resident owners and prospective buyers of Croatian property, along with real estate brokers and developers who serve this international client base.
Features
- Online application and document submission designed for non-residents, with support for multiple languages
- Prequalification decision targeted in days, in contrast to traditional multi-week or multi-month timelines
- Four financing products: purchase, refinance, renovation, and equity release, with financing amounts ranging from under €100K to over €1M
- Remote closing options via electronic signature or power of attorney, eliminating the need to travel to Croatia
- Dedicated credit concierge to guide users from prequalification to closing
- Partnership model for real estate brokers and developers, including dedicated onboarding flows on the waitlist form