Altiva Wealth is building an online mortgage platform for non-resident owners and buyers of Croatian property, covering purchase, refinancing, renovation, and equity release. The service aims to offer prequalification decisions in days, online document submission in the user's language, and remote electronic signing, with launch planned for 2027.
Funding
Funding not disclosed
Founders
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 122 countries. The platform intends to bring the entire financing workflow online, from prequalification in days to document submission in the applicant's own languageizen 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.
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