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Collateral Monitor

Residential collateral monitoring for lenders.

Know which properties in your loan book to review first.

Panoperty tracks changing buyer demand around each residential property between formal valuations. It combines that with LTV and valuation age to give your analysts a ranked, auditable review queue every month.

Request a portfolio assessment See how it works

Your valuation stays the value of record. Panoperty does not value or revalue property. Available for Irish residential collateral, with evidence concentrated in the Dublin area and limited elsewhere.

Review queue Period end 2026-08-31 Synthetic data
Rank Asset LTV Demand evidence
1 SYN-0417 Semi-detached · 3 bed 84% Weakening
2 SYN-1022 Apartment · 2 bed 79% Weakening
3 SYN-0088 Terraced · 3 bed 72% Weakening
4 SYN-0310 Terraced · 2 bed 74% Stable
  1. #1 SYN-0417 Semi-detached · 3 bed
    Weakening
    LTV
    84%
    Valuation age
    31 months
  2. #2 SYN-1022 Apartment · 2 bed
    Weakening
    LTV
    79%
    Valuation age
    26 months
  3. #3 SYN-0088 Terraced · 3 bed
    Weakening
    LTV
    72%
    Valuation age
    34 months
  4. #4 SYN-0310 Terraced · 2 bed
    Stable
    LTV
    74%
    Valuation age
    20 months
Synthetic records. A rank is a review priority, not a valuation or a lending decision.
How it works

From portfolio tape to review queue

  1. 01

    Upload

    You upload a residential portfolio tape. Every row is accepted or rejected with a reason.

    InExposure, collateral value, valuation date, property details
  2. 02

    Monitor

    Each month Panoperty measures buyer demand around every located property against its local market.

    OutDemand state, persistence, evidence sufficiency
  3. 03

    Rank

    Properties are ranked on LTV, valuation age and weakening demand.

    OutRanked review queue
  4. 04

    Review

    Your analysts open a property, see why it ranks where it does and apply your own policy.

    OutYour decision, under your process
The output

A monthly collateral-review queue

Collateral review queue Period end 2026-08-31 Synthetic data
Rank Asset LTV Valuation age Demand evidence Persistence Evidence sufficiency
1 SYN-0417 Semi-detached · 3 bed 84% 31 months Weakening 3 consecutive reviews · 62 days Strong
2 SYN-1022 Apartment · 2 bed 79% 26 months Weakening 2 consecutive reviews · 31 days Strong
3 SYN-0088 Terraced · 3 bed 72% 34 months Weakening First observation Adequate
4 SYN-0310 Terraced · 2 bed 74% 20 months Stable — Strong
5 SYN-0631 Detached · 4 bed 68% 14 months Stable — Strong
6 SYN-0954 Semi-detached · 4 bed 61% 9 months Stable — Limited
  1. #1 SYN-0417 Semi-detached · 3 bed
    Weakening
    LTV
    84%
    Valuation age
    31 months
    Persistence
    3 consecutive reviews · 62 days
    Evidence sufficiency
    Strong
  2. #2 SYN-1022 Apartment · 2 bed
    Weakening
    LTV
    79%
    Valuation age
    26 months
    Persistence
    2 consecutive reviews · 31 days
    Evidence sufficiency
    Strong
  3. #3 SYN-0088 Terraced · 3 bed
    Weakening
    LTV
    72%
    Valuation age
    34 months
    Persistence
    First observation
    Evidence sufficiency
    Adequate
  4. #4 SYN-0310 Terraced · 2 bed
    Stable
    LTV
    74%
    Valuation age
    20 months
    Persistence
    —
    Evidence sufficiency
    Strong
  5. #5 SYN-0631 Detached · 4 bed
    Stable
    LTV
    68%
    Valuation age
    14 months
    Persistence
    —
    Evidence sufficiency
    Strong
  6. #6 SYN-0954 Semi-detached · 4 bed
    Stable
    LTV
    61%
    Valuation age
    9 months
    Persistence
    —
    Evidence sufficiency
    Limited
Synthetic records. A rank is a review priority, not a valuation or a lending decision.

What an analyst sees behind each rank

Why monitor

Between formal valuations

A valuation fixes a value at a point in time. Buyer demand around the property can shift long before the next one is due. Panoperty measures it monthly against comparable homes in the local market, using proprietary residential market and buyer-demand data, and shows whether a change is new or has held.

Where there is not enough data to support a view, the property is marked as insufficient evidence, not estimated. How the evidence works

Persistence

Is it holding?

One month can be noise. Persistence shows how many consecutive monthly reviews a state has held, so an analyst can tell a new reading from an established one. It describes the evidence, not the property's value.

What our research shows about persistence

Weakening 3 consecutive reviews · 62 days
  1. Stable
  2. Weakening Run starts
  3. Weakening
  4. Weakening Current
Synthetic example: property SYN-0417 over four monthly reviews.
Governance

Built to be audited

Any output can be traced to the snapshot, evidence and calculation version that produced it.

Fixed portfolio snapshots

Each tape is committed as a hashed snapshot. Uploading the same file twice does not create a duplicate.

Explainable ranks

Each rank keeps its components month by month, so you can see what put a property where it is.

Tenant isolation

Your portfolio records, locations and exposures are visible only to your organisation.

Regulation

Where this sits under CRR Article 208

Article 208 requires institutions to monitor residential property values at least every three years, more often when market conditions change significantly, and to have an independent valuer review a valuation when information suggests the value may have declined materially relative to general market prices.

Panoperty gives you information relevant to that monitoring. It does not establish Article 208 compliance and it is not a valuation. Monitoring, revaluation and model governance remain your responsibility.

Read the Article 208 reference

See how much of your portfolio can be monitored

We'll show how much of your residential book Panoperty can monitor and what your monthly queue would look like. It starts with a conversation; no portfolio data is needed.

Request a portfolio assessment Read the methodology