Bolton Equities, a New Zealand-based investment company, completed the $21.4m Series A investment round in Verteva, an Australian fintech startup. "With the vast majority of mortgages originating in face-to-face meetings, using paper-based forms and manual credit assessment processes, the home loan industry is badly outdated," said Walker. "Changes in the current distribution model are likely to accelerate to be more digitally based, aligning with those of the United States and European markets," Andrew Walker, Verteva Co-Founder and CEO.