Until now, Tinkoff Mortgage was only accessible via Tinkoff.ru. Now borrowers have the ability to use the mobile app installed on their smartphones to apply for a mortgage, while partners of the service (real estate agents, brokers and property developers) can submit a mortgage application on behalf of their customers and find the best mortgage options with the help of a mortgage calculator. Tinkoff Bank will reward Tinkoff Mortgage partners for each deal.

All mortgage-related processes have been made faster and more user-friendly. To log in, users (either customers or partners) can sign in with a fingerprint. Their passport and other documents can be photographed with a smartphone camera and uploaded to their user account - no details need to be entered manually. The mobile account is automatically synced with the Tinkoff Mortgage website.

To apply for a mortgage with the free-to-use Tinkoff Mortgage service, users (either borrowers or real estate agents) are required to complete a form on the website or in the Android-based mobile application. Then the system suggests which documents - a passport, an employment record or a 2-NDFL earnings certificate - should be uploaded.
Potential Tinkoff Mortgage customers (borrowers) can apply for or refinance a mortgage, track their application, upload documents, provide their real estate agent with access to their account or restrict access.

“Launching the Tinkoff Mortgage mobile application is the next logical step in the development of the Tinkoff Mortgage platform with about 1 million users and nearly 28,000 partners. Now, you can have your mortgage application approved not only when sitting at your computer, but virtually anywhere - even while commuting or waiting in line at the supermarket. All mortgage-related headaches can be completely sorted out by Tinkoff Bank and real estate agents, registered to use the mobile application. All documents are issued online, so that the customer must visit our partner bank just once to sign the contract and close the deal,” says Alexander Emeshev, Vice-President, New Products Development at Tinkoff Bank.

Tinkoff Mortgage enables customers to compare reduced mortgage rates offered by partner banks, select the best offer and submit all required mortgage documents online. Customers are also assigned a personal manager to help choose the best property available, get advice from an insurance company and answer any questions 24/7 in the chat.

50% of mortgage applications are approved within an hour, with the maximum approval period being 2 days. The average time required to close the deal (from application to contract) is 4 to 7 days. The customer needs to visit a partner bank only once to personally sign the contract.

In August 2018, Tinkoff Mortgage was named the best online mortgage service in Central and Eastern Europe as part of Global Finance's World's Best Digital Bank Awards.
The iOS-based version of Tinkoff Mortgage mobile app will be released by the end of 2018.