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Hometrack’s enterprise-grade analytics and accurate collateral valuation services help lenders accurately identify and manage residential property risk. Our independent, objective insight gives you the evidence you need to make informed business, provisioning and policy decisions, and drive strategy. Our automated valuation products reduce costs and build extra capacity for growth, with no increase in risk.
Save money and manage mortgage risk
We help lenders cut costs, save time and reduce the risks associated with valuing properties as part of a mortgage process.
- Fast, accurate valuations — improve customer service and reduce processing times
- Automated valuations — replace costly physical valuations, while minimising risk
- Desktop valuation service — cost-effectively increase your valuation capacity, within a risk-managed framework
- Failsafe solution — identify over-valuation cases which have a higher probability of turning into future losses
Hometrack’s lender solutions are based on a clear understanding of our sector. Their experience in the AVM space is unrivalled as is their understanding of the housing and lending markets.
Iain Laing, Chief Risk Officer
Nationwide
Understand mortgage portfolio risk for more accurate provisioning
Regional house price indices are often used to re-state loan-to-values across residential mortgage portfolios. However, applying a single regional index to a portfolio of properties across different local markets can lead to inaccuracies — some of which are very significant indeed.
Clients use our Portfolio service to replace indexation. This delivers an accurate, current loan-to-value for each property, and enables enhanced risk management and more accurate provisioning. Our Portfolio Risk Analytics service gives you a tailored analysis of areas of risk within a portfolio.
Quality and transparency are important to us and our clients. We need to know that the portfolios we work with have been subject to an independent and accurate valuation process. Hometrack’s expertise in the property analytics space is widely acknowledged.
Clayton Euro Risk
Improve Treasury and funding decisions
Our Portfolio and Portfolio Risk Analytics services give you the information you need to enhance collateral stratification and pool selection to assure collateral quality in covered bonds and RMBS packaging.
Based on Hometrack’s AVM — reviewed by all three rating agencies and used in 45 live RMBS transactions — the accuracy of our portfolio services allows you to apply smaller price discounts (‘haircuts’) to collateral placed into a rated funding structure. This delivers better overall funding treatment than using house price indexation.
Whole loan portfolio trading made simple
Mortgage portfolio trading is often an opaque process. HLIX is an online auction platform which combines portfolio valuation and market analytics within a transparent auction process. It lets you trade residential loans and assets efficiently, with increased certainty of execution and designed to deliver the best price.
Valuer
Introducing Valuer, the next generation in mortgage processing efficiency. Boost capacity, without increasing risk.
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