MIZAN
LIVE

Every home produces signals every day.

PRICING

Outcome-priced home-finance infrastructure.When the enterprise wins, MIZAN wins.

$50

per executed institutional outcome

Enterprise licence · Outcome-based pricing · No platform tax

01 — THE DELTA

How institutional valuecompounds after origination.

Traditional mortgage infrastructure loses visibility after completion. MIZAN continuously interprets changes across the home, household and mortgage—helping institutions identify retention, servicing and refinancing opportunities earlier.

000025050075100Y00Y01Y02Y03Y04Y05Y06Y07Y08Y09Y10HOW MORTGAGE VALUE EVOLVES AFTER ORIGINATION · INDEX 0–100 · MODELLEDOPERATIONAL VISIBILITY & COORDINATIONTIME · YEARS FROM ORIGINATIONREFINANCING FRICTIONSERVICING LAGHOUSEHOLD COMPRESSIONENERGY DRAGDEFAULT INTERVENTION TIMINGMIZAN CONTINUOUS MODELCompounding servicing intelligenceΔ ~58 IDX · MODELLEDLEGACY SERVICING MODELPeriodic visibilityLEGACY MORTGAGE INFRASTRUCTUREMIZAN CONTINUOUS INFRASTRUCTURE

Most mortgage risk accumulates between refinancing cycles.

Legacy infrastructure — periodic, reactive, fragmented servicing

MIZAN infrastructure — continuous, anticipatory, programmable

Illustrative scenario · figures modelled · proprietary

  • 01
    Refinancing friction
    The time and cost between a household's eligibility for better terms and the lender's recognition of it.
  • 02
    Servicing lag
    The delay between a household event — energy spike, income change, life event — and a lender's operational response.
  • 03
    Household compression
    The narrowing margin between household income and total housing cost — invisible to origination-era affordability models.
  • 04
    Energy drag
    The capital cost imposed as housing stock fails rising efficiency and EPC standards over the life of the loan.
  • 05
    Default intervention timing
    The window between early household stress and the lender's ability to act while intervention is still economic.

02 — MODEL YOUR BOOK

Model what continuous home finance delivers to institutional ROE.

Enter your mortgage book size and see how continuous home finance increases lifetime portfolio value through better servicing, retention, refinancing and retrofit outcomes.

INSTITUTION PROFILE

TRADITIONAL PROCESS

47 days average execution cycle

Per refinance · manual, reactive, fragmented

CONTINUOUS EXECUTION

4.7 seconds · Outcome fee: $50

Per executed outcome · continuous, anticipatory

mortgages

28%

NON-COMPLIANT PROPERTIES IDENTIFIED

280,000

ESTIMATED OPERATIONAL COST

$1.48B

modelled

OUTCOME FEES ($50 PER OUTCOME)

$14.00M

modelled

POTENTIAL CAPITAL EXPOSURE

$26.88B

modelled

NET INSTITUTIONAL SAVING

$1.47B

modelled

Illustrative institutional model. All figures are scenario outputs in USD, not audited benchmarks. Actual results are configured for each financial institution during deployment.

Simulator constants and modelled figures on this page are illustrative — calibrated against live partner engagements. The Telemetry Sensitivity Index, the 10-year delta and the outcomes-based commercial model are proprietary MIZAN constructs.

03 — COMMERCIAL MODEL

Three principles. One commercial model.

  • 01Enterprise by designInstitutions deploy MIZAN through an enterprise platform licence, sized to the scope of the engagement and operational integration.
  • 02Outcomes, not activityCommercial upside is aligned to verified institutional outcomes—not software usage, user counts or connected homes.
  • 03Tailored, not tariffedEvery engagement reflects portfolio size, deployment scope and operational complexity. There is no one-size-fits-all pricing.

MIZAN is the operating system for continuous home finance—licensed as enterprise infrastructure and commercially aligned to the outcomes it delivers.

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