The price of you mortgage should reflect your risk - not your capability to negotiate. Clinsj offer negotiating as a service. The mortgage market is asymmetric in terms of information and it can be very challenging for regular customers to navigate between the different offers. 3 out 4 mortgage holders have never negotiated their interest rate and terms after financing, and therefor get penalized for their loyalty. As an individual customer you have little negotiation power with your bank, but with professionals negotiating on behalf of a group of similar customers you do. Clinsj is a startup fin-tech company that aims to help mortgage holders achieve better terms by negotiating on the customers behalf on a continuous basis. If the customers existing bank is not willing to meet market price, Clinsj will move the customer to bank with more appetite that offer market terms. As long as the customer is member on the platform, Clinsj will continuously monitor the market and negotiate when possible. Clinsj is independent and as such take no commissions from the banks. The customer only pay a subscription fee for a 12 month period after receiving value, either by a better rate from their existing bank or a new offer from a competitor. if new value is added in that period the subscription renews. The founders of Clinsj have extensive competence within the banking industry after years of holding different management positions in international banks. The pricing mechanism in mortgages show that there is a market to be met. We believe that "negotiation as a service" is a growing market that can be applied to many consumer products and seek to develop the concept as we grow.