Mortgage AI for Israel: check your bank’s offer with artificial intelligence

What AI actually does with your mortgage

In most places "mortgage AI" means a chatbot that talks about mortgages in general. Here the AI works on your mortgage, in three steps.

It reads the document. An in-principle approval, a bank offer, an amortization schedule or a balance confirmation. Structured data is extracted from it: amount, tracks, the rate on each track, term, indexation, loan-to-value.

It understands your mortgage. Not every mortgage matters for the same reason. The system identifies what matters in yours: the track mix, the exposure to CPI and to rate changes, the exit points, the gaps against the comparison sources, and the questions worth looking into.

It tailors the dashboard to you. Based on what it finds, the system chooses which analyses and tools to run and builds a dashboard around your specific mortgage, not one screen for everyone. The information is presented clearly, with the source of every number.

The calculations themselves, monthly payment, total cost, sensitivity to rate and CPI changes, are computed deterministically rather than guessed by a language model, so the same document always gets the same result.

What you get after uploading

• Every track in the offer: amount, rate, indexation type, term, and the computed monthly payment.
• Each track's rate against the average rate the Bank of Israel published for that track and term, with the month the figure comes from.
• Where your offer sits relative to offers uploaded to the service with similar characteristics, with the sample size shown.
• Concrete points to raise with the bank, based on the gaps found.
• A personal dashboard built around what was found in your mortgage, with the tools that fit it.
• A chat with "The Artificial Advisor" about your specific mortgage, grounded in the extracted data rather than general knowledge. An automated tool. It is not an advisor and does not give advice.

What AI does not do here

The system does not tell you which mortgage to take and does not promise savings. It puts your numbers next to the comparison sources and marks where there is a gap. The decision, and the conversation with the bank, stay yours.

The system can misread a document. Every figure is shown next to its source so you can verify it against the document and the bank. We never ask for, and never accept, bank login credentials.

We take no fees from banks. The service is sold to the user only, so we have no reason to prefer one bank over another.

Comparison sources

Two sources, both named in every comparison: the average rates the Bank of Israel publishes by track and term, and an aggregate pool of offers that users of the service chose to share, with no identifying details. The pool is not "the market", and it is always shown with its sample size and time window.

Another way in: through your AI assistant (MCP)

Mashkanta-Buddy is a service, not only a website. We are building an MCP (Model Context Protocol) connection so you can use the service directly from Claude and other AI assistants: upload a document, get the analysis and comparison, open your dashboard and talk to "The Artificial Advisor", with the same account, quotas and consent rules as on the site.

The connection is in development and will be announced here when available. Until then, the website is the way to start.