Mortgage AI for Israel: check your bank offer
Compare your offer with available market data, then see what to clarify or request in your next conversation with the bank.
Have a photo or PDF of your bank offer ready. You can start as a guest and save your work to an account later.
An automated AI tool. It is not an advisor or advice, and can be wrong.
What you get after uploading
- Concrete points to raise with the bank, based on the gaps found.
- Every track in the offer: amount, rate, indexation type, term, and the computed monthly payment.
- Comparison with Bank of Israel data by track and term where a suitable benchmark exists, with its period and any approximate match identified.
- Where an eligible sample exists, your offer's position relative to uploaded offers with similar characteristics, with the sample size and time window. A ranking is withheld when there is insufficient data.
- 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 actually does with your mortgage
AI reads your mortgage document, organises its data and helps explain what it means, 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.
Payment, cost and sensitivity calculations use formulas applied to the extracted data and stated assumptions. The same inputs and assumptions produce the same calculation. Document extraction can differ between readings, so check the extracted figures against the source.
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
Market comparisons draw on Bank of Israel publications and aggregate data from offers uploaded to the service, where enough comparable offers are available. Each comparison identifies its source and period; uploaded-offer comparisons also show the sample size and time window. That sample does not represent the whole mortgage market. These details help you assess how closely the comparison fits your offer.
Another way in: through your AI assistant (MCP)
Mashkanta-Buddy is connected now, not just planned: a live MCP server at https://www.mashkanta-buddy.com/mcp lets Claude, ChatGPT (Developer Mode) and other AI assistants upload a document, read the analysis and comparison, open a dashboard and talk to the advisor, on your behalf.
Add the URL as a custom connector in the assistant, a browser opens our consent page, sign in with the Google account you use on the site, and approve. Same account, same quota, same consent rules as the site. An automated tool. It is not an advisor and does not give advice.
For an AI agent (Claude Code, Codex, Cursor) paste one line and it configures the connection itself: Fetch and execute the appropriate instructions to set me up for Mashkanta-Buddy from https://www.mashkanta-buddy.com/agent-setup/prompt.md
Frequently asked questions
Is this mortgage advice?
No. Mashkanta-Buddy is a software tool for analysis and comparison. It is not an advisor, does not give advice, and is not a substitute for licensed professional advice.
Which documents can I upload?
An in-principle approval, a bank offer, an amortization schedule or a balance confirmation, as a PDF or a photo (JPG, PNG). One document is enough to start.
Do I need to sign up?
No. Start without signing up: the first upload opens a guest identity, and you can connect a Google account later without losing data.
What happens to my data?
Extracted data is used for your analysis and for the aggregate comparison pool, with no identifying details, as described in the privacy policy. You can request deletion from your account.
Can the system be wrong?
Yes. Data extraction relies on AI models and can be wrong. Every figure is shown next to its source so you can verify it against the document and the bank.
Check your mortgage
Upload a mortgage document to explore its tracks, rates and payments, with explanations and questions to check with the bank. Comparisons appear where suitable data is available. Start without signing up.
Check your mortgage nowAn automated tool. It is not an advisor, does not give advice, and can be wrong. Verify every figure against your document and your bank.