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
Increasing payment from
3% to 7%
means
$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.