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Quick · Mortgage transaction infrastructureLive inside a mortgage brokerage in Poland
RE: Mortgages

Mortgages are still coordinated by humans. Quick turns them into software.

Quick is the operating layer for mortgage transactions: lender rules, documents, communication and next actions in one executable workflow.

(01) The problem

One mortgage. Seven banks. Seven rulebooks.

Eligibility rules change. Required documents change. Forms change. Exceptions change. Yet the industry still coordinates all of it through people, spreadsheets, inboxes and institutional memory.

Same client. Different lender. Different answer.Minimum self-employment history, in months
12
24
18
24
36
12
24

Illustrative lenders.

(02) The case

One case. One source of truth.

Quick structures the borrower, property and financing goal into a single financial case. Documents, decisions, communication, lender requirements and next actions all attach to the same state.

Example caseSelf-employed architect, Kraków
Net income
14,000PLN/mo
Self-employed
31months
Loan-to-value
67%
Age
32

Example sourcesBank statements · PIT-36 · CEIDG

(03) Rules engineRE: Rules

Building

Rules, not guesses.

Quick translates lender criteria into machine-readable rules. For every case, the engine shows who fits, who doesn’t, why, and what needs to happen next.

Every answer is explainable.Every requirement is traceable.

Illustrative lenders and criteria.

EvaluationExample case · 3 lenders · 9 rules
Lender AEligible
  1. Self-employment≥ 24 mo31
  2. Loan-to-value≤ 80%67%
  3. Net income≥ 5,00014,000
  4. Age at end of term≤ 7062
7 documents required
  1. PIT-36 tax returns, last two years
  2. Revenue and expense ledger (KPiR), current year
  3. ZUS certificate: no social-security arrears
  4. Tax office certificate: no tax arrears
  5. Business account statements, 12 months
  6. Identity document
  7. Property valuation report
Lender BEligible
  1. Self-employment≥ 12 mo31
  2. Loan-to-value≤ 90%67%
  3. Age at end of term≤ 7562
9 documents required
  1. PIT-36 tax returns, last two years
  2. Revenue and expense ledger (KPiR), current year
  3. ZUS certificate: no social-security arrears
  4. Tax office certificate: no tax arrears
  5. Business account statements, 12 months
  6. CEIDG business registry extract
  7. Lender’s own income declaration form
  8. Identity document
  9. Property valuation report
Lender CNot eligible
  1. Self-employment≥ 36 mo31
  2. Loan-to-value≤ 80%67%

Requires 36 months of self-employment. Eligible again in 5 months.

(04) In production

Live · Poland

This isn’t a concept.

Quick already runs inside a mortgage brokerage in Poland. Leads, calls, meetings, reminders and next actions move through the system. The transaction layer is being built on top of real operations, not hypothetical workflows.

Quick is not being designed from the outside.It is being built inside the mortgage process.

Lead panelIn production

Mortgage enquiry · anonymised

  1. Received from web form
  2. Called, 4 min
  3. SMS sent with document checklist
  4. Meeting booked, Thursday 11:00
Reconstructed from the live product. No client data.

(05) ArchitectureRE: Europe

Built locally. Designed to travel.

Mortgage markets are local. The execution problem is not. Quick is built to keep the transaction layer separate from country-specific rules, documents, data sources and regulation.

Quick CoreSame in every market
  • Case state
  • Workflow
  • Documents
  • Communication
  • Decision logic
Country packPoland first
  • Lender rules
  • Local documents
  • Data sources
  • Regulatory requirements
  • Integrations

Poland is the first market.Europe is the architecture.

RE: FinanceThe wedge is mortgages.The direction is financial execution.

WorkflowIntelligenceInfrastructure

  1. WorkflowMortgage operations in PolandLead management, communication, meetings, reminders and execution.Live
  2. IntelligenceMortgage transaction engineStructured cases, lender rules, document requirements and automated next actions.Building
  3. InfrastructureFinancial execution infrastructureA reusable transaction layer connecting people, advisers and financial institutions across markets.Direction

(06) Conversations

If you work where money meets paperwork, we should talk.

Quick is being built with people who understand financial transactions from the inside.

  • Mortgage operatorsPilot Quick inside real workflows.
  • Lenders & fintechsTurn institutional rules and data into executable infrastructure.
  • Engineers & buildersBuild the systems that make financial transactions programmable.
Write to Szymonsimon.miotk@gmail.com

Szymon MiotkFounder, QuickVienna · October 2026quick.re