Magnus Källhager

Bofink is a Mortgage Credit Institute (license from SFSA) that offers mortgages to Young professionals (post-secondary education). We have developed a unique credit regulation based on machine learning / neural network that forecasts future salary development, which means that we can lend enough to buy a one room apartment in all of Sweden's cities. Today, a newly graduated university or college student can not buy a one in the 20 largest cities in Sweden. In Stockholm, we offer mortgages with a starting salary of SEK 29K / month compared with traditional banks that require SEK 39K / month. Here we capture the majority of all recent graduates and create a new market we call "future prime" in between "prime" and "Sub-prime"-segment. Mortgages are offered from 2.89-4 % and are therefore more attractive to investors than traditional low-yield mortgages. ESG Throughout smart and smoother lending without taking on more risk, Bofink helps the young entering the housing market, reduce exclusion, ensures adequate, safe and affordable housing and growing welfare of the today excluded young population. Bofink thereby fullfil many of the UN's Sustainable Development Goals such as Responsible-, Social-, financial inclusion and impact.

Intelligent credit- & risk decisions made easy with open banking & AI-technology Key benefits: 35% Higher approval rate Improve your customer quality in a faster, more secure, and confident way 25% Reduction in default rates Unlock lower default rates by combining open banking- and CRA-data 80% Faster decisioning process Build automations and make decisions without physical documents 75% Cost reduction of credit bureau data Earlier knock-outs of unfit applicants, only pay for the credit bureau data you need TRUSTED BY LEADING FINANCIAL INSTITUTIONS

Bofink is a Mortgage Credit Institute (license from SFSA) that offers mortgages to Young professionals (post-secondary education). We have developed a unique credit regulation based on machine learning / neural network that forecasts future salary development, which means that we can lend enough to buy a one room apartment in all of Sweden's cities. Today, a newly graduated university or college student can not buy a one in the 20 largest cities in Sweden. In Stockholm, we offer mortgages with a starting salary of SEK 29K / month compared with traditional banks that require SEK 39K / month. Here we capture the majority of all recent graduates and create a new market we call "future prime" in between "prime" and "Sub-prime"-segment. Mortgages are offered from 2.89-4 % and are therefore more attractive to investors than traditional low-yield mortgages. ESG Throughout smart and smoother lending without taking on more risk, Bofink helps the young entering the housing market, reduce exclusion, ensures adequate, safe and affordable housing and growing welfare of the today excluded young population. Bofink thereby fullfil many of the UN's Sustainable Development Goals such as Responsible-, Social-, financial inclusion and impact.

Intelligent credit- & risk decisions made easy with open banking & AI-technology Key benefits: 35% Higher approval rate Improve your customer quality in a faster, more secure, and confident way 25% Reduction in default rates Unlock lower default rates by combining open banking- and CRA-data 80% Faster decisioning process Build automations and make decisions without physical documents 75% Cost reduction of credit bureau data Earlier knock-outs of unfit applicants, only pay for the credit bureau data you need TRUSTED BY LEADING FINANCIAL INSTITUTIONS