THE OPERATING AND FINANCIAL INFRASTRUCTURE FOR EVERY HOME

An agent for every home.

MIZAN keeps track of a home's mortgage, insurance and running costs, and gets the next remortgage, renewal or claim ready before it is needed. Households use it free, through the bank or insurer they already trust. The bank or insurer keeps the customer.

Talk to usSee the API

MIZAN PREPARES · HOUSEHOLDS PERMIT · INSTITUTIONS DECIDE

The bank12 Cedar Road, Bristol

Freeze forecast this weekend.

Three steps to protect the home's pipes. Reward from the insurer when done.

Prepared
Powered by MIZAN
BUILT FOR  LENDERS · MORTGAGE BROKERS · HOME INSURERS & MGAs
WHAT YOUR CUSTOMER SEES

Every cost, date and decision for their home, in one place. In your colours, on your app.

12 Cedar Road, Bristol1930s semi-detached · EPC D · Council tax band D · Owner-occupied, mortgaged
3 PREPARED · 1 NEEDS PERMISSION · 1 ON RECORD Illustrative home
Coming next · prepared by the agent · 4 events
  • In 3 days
    Cold snap forecast
    Three simple steps to avoid a burst pipe. Reward from the insurer when done.
    Prepared
  • In 27 days
    Home insurance renews
    Renewal ready. Cover checked against today's rebuild cost.
    Prepared
  • Apr 2027
    Fixed mortgage rate ends
    Next mortgage case ready. Nothing is shared until the household approves and chooses where it goes.
    Awaiting permission
  • On record
    Claim file ready
    Boiler service and home condition on record, ready if a claim is ever needed.
    On record
Total cost to own
£2,840/ month
Updated continuously · last read today 09:12
    Savings found across 3 eventsup to £34 a month
    Ledger 09:12 Insurance schedule read · source: household upload · approved: household 09:13 Renewal case prepared · from the rebuild value · by: MIZAN 09:15 Permission requested · mortgage review case → destination the household chooses · awaiting: household

    The moments when customers decide whether to stay.

    ~1.8M

    UK fixed-rate mortgages end every year. Each one is a customer deciding whether to stay or switch.

    UK Finance
    £3.4bn

    paid on UK home insurance claims in 2025. Many start with a leak or a frozen pipe.

    ABI
    560,000+

    home insurance claims in a year. How each one is handled decides whether the customer renews.

    ABI

    MIZAN sees each of these coming and prepares for it, using your systems rather than replacing them.

    HOW IT WORKS

    MIZAN works behind the scenes.

    The bank or insurer holds the policy. The household lives in the home. MIZAN keeps the two in step, so every conversation starts with the facts already in hand.

    YOUR BUSINESS

    Holds the mortgage and the policy.

    Needs the rebuild cost, the service history and the date the rate ends.

    MIZAN

    Keeps the home's record current.

    Prepares the next renewal, remortgage or claim, and brings it to your team once the homeowner agrees.

    THE HOUSEHOLD

    Pays the bills and lives with the changes.

    Should not have to remember, compare, call and chase.

    Nothing is shared without the homeowner's agreement.

    Your pricing, lending and claims decisions stay with you.

    ONE RECORD

    Every provider sees a piece. MIZAN keeps the whole.

    Today every lender, insurer and supplier rebuilds the picture from scratch. MIZAN keeps one record for each home. It starts with public property data, adds only what the household chooses to share, and passes on only what each task needs.

    The home’s record12 CEDAR ROAD, BRISTOL · THE HOME'S RECORD

      Select a service to see the information it receives.

      Open / licensedInstitution-heldHousehold-approvedIllustrative · 12 Cedar Road, Bristol
      MORTGAGE AND INSURANCE REVIEWS · UK

      The case is ready before the deadline.

      Two moments every UK homeowner faces, followed step by step at one illustrative home.

      TODAY

      Typically four to eight weeks of forms, payslips and back-and-forth, often started close to the deadline.

      WITH MIZAN

      The agent prepares the case six months before the rate ends. The homeowner chooses who sees it. The lender or broker makes the decision.

      03 PREPARE

      Case ready in minutes

      The agent prepares the case six months before the rate ends. The homeowner chooses who sees it. The lender or broker makes the decision.

      01 SPOT
      02 EXPLAIN
      03 PREPARE
      04 AGREE
      05 DECIDE
      06 CHECK
      07 RECORD
      MIZAN
      Fixed rate ends 4 Apr 2027Spotted six months ahead
      Why it mattersMonthly payments could change
      Case ready in minutesValue estimate, loan-to-value, costs, documents
      New deal confirmedRate and end date checked
      HOUSEHOLD
      Household chooses lender or brokerCan be withdrawn at any time
      LENDER
      Lender or broker actsAdvice and lending decisions stay with them
      THE HOME'S RECORD
      Home's record updatedNext fixed-rate end already tracked
      Every confirmed result is added to the home's record. The next event starts from what is already known.
      Illustrative · 12 Cedar Road · Shaded band: decisions are made here, by the lender, broker or insurer.
      1. 01 SPOT · MIZANFixed rate ends 4 Apr 2027Spotted six months ahead
      2. 02 EXPLAIN · MIZANWhy it mattersMonthly payments could change
      3. 03 PREPARE · MIZANCase ready in minutesValue estimate, loan-to-value, costs, documents
      4. 04 AGREE · HOUSEHOLDHousehold chooses lender or brokerCan be withdrawn at any time
      5. 05 DECIDE · LENDERLender or broker actsAdvice and lending decisions stay with them
      6. 06 CHECK · MIZANNew deal confirmedRate and end date checked
      7. 07 RECORD · THE HOME'S RECORDHome's record updatedNext fixed-rate end already tracked

      Every confirmed result is added to the home's record. The next event starts from what is already known.

      Illustrative · 12 Cedar Road · Shaded band: decisions are made here, by the lender, broker or insurer.

      MIZAN prepares. Households permit. Institutions decide.

      How governance works →
      Use cases

      The financial jobs every home needs, done for the household.

      Remortgages, renewals and safety checks come round every year, and households still do them by hand. MIZAN keeps each home's record up to date all year, so every job arrives prepared, inside the relationship the customer already has. Free for households. Paid for by the lenders and insurers who benefit.

      LendersRefinanceWeeks of paperwork, prepared in minutes. Six months before a fixed rate ends, the customer's next mortgage case is ready, with their permission, so your team makes the first offer.Demo available BrokersRefinanceStay in touch between transactions. Each client's home and finances are kept up to date, so the remortgage case is ready before they start shopping around.Demo available Insurers & MGAsRenew home insuranceKnow what has changed before you renew. The home's record is kept current through the year, so each renewal arrives prepared, including any change to the property and its rebuild value.Coming soon Property developersBuy a new homeFollow every buyer's mortgage from reservation to completion, then hand over a home record that keeps working after the keys.Roadmap Landlords & portfoliosManage rental homesSafety checks, certificates and renewals for every property, prepared before they fall due.Roadmap
      Products

      Three products. One record of the home.

      MIZAN Connect

      Know every home on your book.

      Demo available
      MIZAN Engage

      Talk to your customer before a comparison site does.

      Demo available
      MIZAN Reward

      Pay for prevention, only when it's done.

      Coming soon

      Every home your customers own.
      One API.

      Spend your time on the experience you want to give customers, not on gathering the data. MIZAN brings the home's record, the household's permission and the next step together in one call.

      See the APITalk to us
      GET /homes/hm_12cedar/events
      1const home   = await mizan.homes.get("hm_12cedar")2const events = await mizan.events.list(home.id)3// → fixed_rate_end · 2027-04-04 · prepared4const prepared = await mizan.cases.get(events[0].case_id)5// shared only after the household approves
      Illustrative example · API in early access

      Better information on every home you insure or lend against.

      MIZAN PREPARES · HOUSEHOLDS PERMIT · INSTITUTIONS DECIDE

      Talk to usSee the API

      tahir@mizan-os.ai