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The story of e-nettet

The e-nettet is preparing the 100% digital housing market. Today, this is technically possible, and soon it will be the reality with every transaction. By building a collaborative platform for effective proces support, the e-nettet has created completely new opportunities for stakeholders in the finance sector and their customers. The result - unprecedented efficiency with dramatic effects on time spent, costs and customers’ experience of ease and smooth-running transactions.

From piles of paper to one single data source
Buying or selling a property is a critical decision, which is why administering it requires huge quantities of documentation and collaboration between numerous stakeholders. Just 15 years ago, it was no small task when estate agents, lawyers, banks and mortgage lenders made preparations for selling a property. It meant gathering documentation from several sources and sending many letters back and forth. Even so, people still could not really come to grips with it all.

That was the start of the company called the mortgage credit net.

In 1997, the Association of Danish Mortgage Banks set up a project group. The aim was to make information about mortgages more accessible. It soon became apparent that the possibilities were far-ranging, and the project was converted into a limited company with Jørn Knudsen at the head of a team which included people who were highly skilled in both technology and finance.

The e-nettet – all necessary information at the right time and in the right place
In 2001, the e-nettet had just one product! By then, however, it was used by over 1,600 estate agents and 7 mortgage lenders. In the meantime, numbers rose to 2,500 affiliated estate agent offices, bank branches and mortgage lending offices. Thanks to this increase in customers and significant product growth, traffic on the e-nettet has grown tenfold over the past 8 years.

New products have arrived, and today e-nettet offers a number of tools which, by means of partnership agreements with the content suppliers and public registers, it is possible to use data in new ways. Users can gain an overview of a property, compare and delve into data by using property surveillance, reports, price history, BBR (the building and housing register), information from the land register, prices displayed on Geographic maps, and of course information regarding unpaid debts.

There has thus been rapid growth, and this is of course due to the e-nettet offering information which no one else on the market can supply. Information which, on the one hand, minimises financial risks caused by misjudgement and, on the other hand, raises the level of quality when it comes to administration.

Competence: collaboration and technology
The e-nettet is based on the most robust and advanced technology. Contents are, however, just as important, and through partnerships with KMS, TNI and others, the e-nettet collects data, enhances it and makes it accessible as a tool, either via the e-net or directly in a user system.

Altogether, the e-nettet is firmly based on partnership and collaboration, amongst which include none other than owners, along with mortgage banks and, more recently, from 2007, all banks.

Collaboration has now become digital.