Location
Comparable listings near the asset.
Collateral Monitor
Residential collateral monitoring for lenders.
Know which properties in your loan book should be reviewed first.
Panoperty monitors local buyer-demand evidence around each residential collateral asset. It combines that evidence with LTV and valuation age to produce an auditable monthly review queue for your analysts.
Your supplied collateral value remains the value of record. Panoperty provides evidence and prioritisation for human review. Currently available for residential collateral in Ireland.
| Rank | Asset | LTV | Demand evidence |
|---|---|---|---|
| 1 | SYN-0417 Semi-detached · 3 bed | 84% | Weakening Location, Price cohort |
| 2 | SYN-1022 Apartment · 2 bed | 79% | Weakening Property type |
| 3 | SYN-0088 Terraced · 3 bed | 72% | Weakening BER |
| 4 | SYN-0310 Terraced · 2 bed | 74% | Stable |
- #1 SYN-0417 Semi-detached · 3 bedWeakening
- LTV
- 84%
- Valuation age
- 31 months
- Weakening attributes
- Location, Price cohort
- #2 SYN-1022 Apartment · 2 bedWeakening
- LTV
- 79%
- Valuation age
- 26 months
- Weakening attributes
- Property type
- #3 SYN-0088 Terraced · 3 bedWeakening
- LTV
- 72%
- Valuation age
- 34 months
- Weakening attributes
- BER
- #4 SYN-0310 Terraced · 2 bedStable
- LTV
- 74%
- Valuation age
- 20 months
How it works
From portfolio tape to review queue
One question drives the workflow: which assets should an analyst inspect first?
- 01
Portfolio
You supply a residential portfolio tape. Each upload is committed as an immutable snapshot, with every row accepted or rejected with a stated reason.
InExposure, collateral value, valuation date, property attributes - 02
Monitor
Each month Panoperty builds local comparator pools around every located asset and measures buyer engagement and participation against each pool's own history.
OutEvidence state per attribute - 03
Prioritise
Assets are ranked on LTV, valuation age and weakening demand evidence. Every rank component is stored.
OutOrdered review queue - 04
Review
Analysts open an asset to see the evidence behind its position and apply your institution's own review policy.
OutHuman review decision, under your process
The output
A monthly collateral-review queue
The queue orders assets for inspection. How many assets your team reviews each month is set by your own governance, not by Panoperty.
| Rank | Asset | LTV | Valuation age | Demand evidence | Persistence | Evidence quality |
|---|---|---|---|---|---|---|
| 1 | SYN-0417 Semi-detached · 3 bed | 84% | 31 months | Weakening Location, Price cohort | 3 consecutive reviews · 62 days | 5 of 5 attributes |
| 2 | SYN-1022 Apartment · 2 bed | 79% | 26 months | Weakening Property type | 2 consecutive reviews · 31 days | 4 of 5 attributes |
| 3 | SYN-0088 Terraced · 3 bed | 72% | 34 months | Weakening BER | First observation | 3 of 5 attributes |
| 4 | SYN-0310 Terraced · 2 bed | 74% | 20 months | Stable | — | 5 of 5 attributes |
| 5 | SYN-0631 Detached · 4 bed | 68% | 14 months | Stable | — | 5 of 5 attributes |
| 6 | SYN-0954 Semi-detached · 4 bed | 61% | 9 months | Stable | — | 1 of 5 attributes |
- #1 SYN-0417 Semi-detached · 3 bedWeakening
- LTV
- 84%
- Valuation age
- 31 months
- Weakening attributes
- Location, Price cohort
- Persistence
- 3 consecutive reviews · 62 days
- Evidence quality
- 5 of 5 attributes
- #2 SYN-1022 Apartment · 2 bedWeakening
- LTV
- 79%
- Valuation age
- 26 months
- Weakening attributes
- Property type
- Persistence
- 2 consecutive reviews · 31 days
- Evidence quality
- 4 of 5 attributes
- #3 SYN-0088 Terraced · 3 bedWeakening
- LTV
- 72%
- Valuation age
- 34 months
- Weakening attributes
- BER
- Persistence
- First observation
- Evidence quality
- 3 of 5 attributes
- #4 SYN-0310 Terraced · 2 bedStable
- LTV
- 74%
- Valuation age
- 20 months
- Persistence
- —
- Evidence quality
- 5 of 5 attributes
- #5 SYN-0631 Detached · 4 bedStable
- LTV
- 68%
- Valuation age
- 14 months
- Persistence
- —
- Evidence quality
- 5 of 5 attributes
- #6 SYN-0954 Semi-detached · 4 bedStable
- LTV
- 61%
- Valuation age
- 9 months
- Persistence
- —
- Evidence quality
- 1 of 5 attributes
Local evidence
Evidence built around the actual asset
Panoperty does not rely on a regional average. For each collateral asset it builds comparator pools from active listings that match the asset on one of five attributes, then measures buyer engagement and participation behaviour observed around comparable residential listings from proprietary data sources.
Property type
Comparable listings of a similar property type.
Bedrooms
Comparable listings of a similar size.
BER
Comparable listings with a similar energy rating.
Price cohort
Comparable listings in a similar price range.
The lender-supplied collateral value remains the recorded collateral value used in the monitoring workflow, including for LTV. Panoperty does not replace it or display any internal reference used to select comparable listings.
Expanded only when evidence is thin
Pools start close to the asset and widen only when local evidence is too thin. The distance actually used is recorded for every attribute, and where a view cannot be supported the result is recorded as insufficient evidence.
Persistence
Is the evidence holding?
A single month can be noise. Persistence records how long an observed local demand state has continued across consecutive monitoring periods, so an analyst can distinguish a new reading from one that has held.
A missing or insufficient observation breaks the sequence. Persistence describes continuity of evidence. It does not predict property value.
Weakening 3 consecutive reviews · 62 days
- Stable
- Weakening Run starts
- Weakening
- Weakening Current
Governance
Built to be audited
Every output can be traced to the portfolio snapshot, evidence and calculation version that produced it.
Lender value of record
LTV is calculated from your supplied collateral value. Panoperty does not change it.
Source provenance
Each evidence record carries its measurement period, pool size, realised radius, geocode source and calculation version.
Immutable portfolio snapshots
Each committed tape is a fixed, hashed snapshot. Re-submitting the same file does not create a duplicate.
Evidence quality
Insufficient evidence and insufficient baseline history are explicit states, not blank cells.
Tenant isolation
Portfolio records, coordinates and exposures are scoped to your authenticated organisation.
Monitoring-period history
Evidence is retained period by period, so each current state can be traced back through earlier reviews.
Auditable ranking components
The LTV, valuation-age and evidence components of each rank are stored with the rank.
Regulation
Where this sits under CRR Article 208
Article 208 of the Capital Requirements Regulation requires institutions to monitor the value of immovable property collateral, at least every three years for residential property and more frequently where market conditions change significantly. It requires a review by a qualified valuer, independent of the credit decision process, when available information indicates that a property's value may have declined materially relative to general market prices. As amended by Regulation (EU) 2024/1623, it allows institutions to use advanced statistical or other mathematical methods ("models") to monitor property values and identify property in need of revaluation, subject to conditions set out in the Regulation.
Panoperty provides collateral-monitoring evidence and review prioritisation. It does not claim Article 208 compliance or regulatory approval, and its evidence is not a valuation. Responsibility for monitoring, revaluation and model governance remains with the institution.
See how much of your portfolio can be monitored
A portfolio assessment examines coverage, evidence availability and the resulting review queue for your residential book. It starts with a conversation. No portfolio data is needed to begin.