2017 saw a record number of mortgage loans, totalling around RUB 2 trillion, and over a million families taking another step on the housing ladder in Russia. Mortgage interest rates fell below 10% in 2017. By 2024 they will have been reduced below 8%. Mortgages are a key driver of demand for housing: every other new-build sale and one in three resales are completed with the help of a mortgage. The current drop in rates means a reduction in bank margins, which calls for improvements in business efficiency. Players who are able to leverage user-friendly service and cutting-edge technologies to increase issuance rates will have the advantage. The example of developed markets shows that the market share has not increased so much for credit organizations as for companies actively involved with innovative technologies, such as PropTech and FinTech. How are technologies affecting the housing market? What will the mortgage service of the future look like for the consumer? Which online services in mortgage loans are set to replace the traditional ones? Is a fully-fledged model for online mortgage lending without physical offices possible? How will the use of blockchain technology in mortgages affect the issuance of mortgage loans and their securitization? Are digital mortgages issued on Western markets, and what lessons can be learned from North American and Western European best practice?