Banks οffer homes bundled with mortgages via digital platforms

Greek banks are entering a new era of real estate services, offering prospective buyers not just homes, but ready financing packages through their own digital platforms. In a move that effectively transforms them into online real estate agents, banks are leveraging their property portfolios and streamlining mortgage procedures to attract new customers.

With significant real estate assets on their books, banks are now making these properties available online — complete with pre-arranged mortgage options. The aim is to simplify and speed up the home-buying process, from the application phase to the final disbursement of loans, using technology and partnerships with loan servicers and fintech companies.

National Bank of Greece has taken a pioneering step with its Uniko platform, developed in collaboration with Qquant, a member of the Qualco Group, as well as its own property listing site, realestateonline.gr. These platforms allow users to browse available properties and access tailored mortgage solutions.

Piraeus Bank markets its real estate through multiple channels including piraeusrealty.gr, and cooperates with alternative platforms such as realestate.intrum.gr and ReInvest.gr. The bank is also working with Qualco on a new initiative aimed at enhancing mortgage accessibility through digital services.

Eurobank utilizes its Prosperty platform in cooperation with FinTHESIS, enabling users to secure mortgage approvals alongside their property purchases.

Alpha Bank also offers a combined property and financing service via its propertynow.gr platform, providing a one-stop solution for home seekers.

This shift represents a broader trend in Greek banking, as lenders look to monetize their property holdings while offering streamlined, tech-enabled services to customers. By integrating digital real estate listings with mortgage lending, banks are hoping to revive housing market interest and modernize their service models.