ACCESS by Cashew is a MortgageTech platform for licensed property agents and independent mortgage brokers in Singapore. VISO helped design and build a professional workflow product that brings live bank rates, application submission, deal tracking, commission visibility, and expert escalation into one streamlined platform.
Overview
Mortgage financing is often one of the biggest blockers in property transactions. Agents can lose valuable time chasing bank representatives, comparing rates manually, managing applications across disconnected channels, and keeping buyers engaged while financing decisions are still unclear.
ACCESS by Cashew was built to give property agents and mortgage brokers more control over that process. Instead of relying on fragmented communication or sending clients to third-party brokers, agents can manage mortgage rates, applications, loan progress, commission visibility, and expert support from one professional platform.
The challenge
The challenge was not just to build another fintech app. ACCESS had to support how property deals actually move: quickly, under pressure, across multiple banks, with changing rates, client expectations, documents, commissions, and time-sensitive decisions involved.
The product needed to feel focused and professional for agents, not overloaded like a consumer finance app. It had to reduce friction while still giving users enough clarity and control to keep deals moving.
Before ACCESS
Agents had to compare mortgage rates manually, chase bank representatives, coordinate applications across disconnected channels, and risk losing client momentum when financing slowed down.
After ACCESS
Agents can access live bank rates, submit applications, track loan progress, monitor commission visibility, and escalate complex cases from one structured workflow.
What made the product complex
This was not a simple mortgage calculator or consumer loan app. ACCESS had to combine several high-friction workflows into one professional product experience:
- Live mortgage rate access
- Multi-bank application submission
- Deal and loan status tracking
- Commission tracking and payout reporting
- WhatsApp-friendly workflow
- Escalation to senior mortgage advisors
- Edge-case handling for complex borrower situations
Our approach
We approached ACCESS as a workflow platform for agents, not as a generic fintech interface.
The product experience was structured around the agent's real jobs: finding the right bank rate, starting an application, tracking progress, understanding commission, and getting expert support when a deal becomes complex or time-sensitive.
Solution
VISO helped design and develop ACCESS as a focused MortgageTech platform that brings the mortgage workflow into one place.
Agents can access mortgage rates from major banks, submit applications through a standardized process, track active deals, monitor commission visibility, and escalate high-risk or complex cases to experienced mortgage specialists.
Key product flows
1. Rate discovery
Agents can access live mortgage rates from major banks without manually checking multiple representatives or disconnected channels.
2. Multi-bank application flow
The platform supports standardized application submission across different banks, helping reduce repetitive admin work.
3. Deal tracking
Agents can follow loan status and application progress from one place, making the financing process easier to manage.
4. Commission visibility
ACCESS includes commission tracking and payout reporting, helping agents understand the value connected to every closed deal.
5. Expert escalation
When a deal becomes complex, senior mortgage advisors can step in to support negotiations, follow-ups, and exception cases.
The hardest part
The hardest part was simplifying a complex financial workflow without making it feel oversimplified.
Mortgage financing involves banks, clients, applications, follow-ups, commissions, and time-sensitive decisions. The product needed to reduce admin friction while still giving agents enough visibility and confidence to stay in control of the deal.
How we solved it
We solved this by organizing the product around clear workflow stages instead of isolated features.
Each part of the platform supports a specific moment in the agent journey: checking available rates, starting an application, tracking loan progress, reviewing commission, and escalating complex cases when expert support is needed.
Outcome
ACCESS by Cashew launched as a professional MortgageTech platform for property agents and independent mortgage brokers in Singapore.
The product helps agents manage a complex financing workflow with more clarity: from rate discovery and application submission to loan tracking, commission visibility, and expert escalation.
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