Finance That Moves Life Forward
Financial technology that enables flexibility for families - and liquidity for lenders
Today’s mortgage structure creates bottlenecks that hurt both households and institutions.
Takara changes that.
We’re building a bridge between homeownership affordability and long-term capital strategy, so more people can access the homes - and lives - they want.
Fixing What’s Broken – Inspired by What Works
Global solutions. U.S. redesign
Other countries have solved the mortgage mobility problem. In Denmark, borrowers can repay their loan at market value. When rates rise payoff with a discount - no lock-in.
At Takara, we’re adapting these proven ideas to fit the U.S. - turning rigid loans into flexible, liquid assets that work for both borrowers and lenders.
$4.5T
U.S. mortgages are locked-in with rates below 4%
60%
Of borrowers can benefit from unlocking the gain trapped in their mortgage
Going from
3% to 7%
Increasing payment from
=
$2,000 to $4,000
per month
mortgage rate
Stuck in Place - The Hidden Cost of Low Rates
Lock-in isn’t just a borrower problem. It’s a balance sheet problem.
Homeowners won’t move, lenders have compressed margins and low origination volume.
Loan portfolios sit idle while demand builds with nowhere to go.
Takara is solving for both sides - restoring mobility for borrowers and liquidity for lenders. Other markets have fixed this. It’s time the U.S. did too.
Imagine - More Flexibility. More Liquidity. More Movement
Danish borrowers payoff mortgage at market value, when rates went up, prepayment tripled.
Imagine the Danish model in the US - when rates rise, borrowers would be able to exit. A system that allows up to 15% discount when paying off low-rate mortgages. This could unlock millions of new home sales, while giving lenders a way to recycle capital efficiently.
Up to 15%
discount when paying off low-rate mortgages
Benefits of Partnering with Takara
Partner with Takara to Drive Growth and Innovation
Takara is a strategic partner for banks and credit unions seeking to optimize their mortgage portfolios and enhance customer relationships.