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Collateral Monitor

Residential collateral monitoring for lenders.

See what is happening in the market around the properties securing your loan book.

Panoperty monitors buyer behaviour around residential collateral. You set the conditions worth following. When one is met, an alert gives your team the observations and history to investigate.

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 observations concentrated in the Dublin area and limited elsewhere.

Recent portfolio observations As at 2026-09-22 Synthetic data
Property Your conditions Current observation
SYN-0417 Semi-detached · 3 bed Condition met Current observation available
SYN-1022 Apartment · 2 bed Condition met Current observation available
SYN-0088 Terraced · 3 bed No condition met Current observation available
SYN-0310 Terraced · 2 bed No condition met Current observation available
  1. SYN-0417 Semi-detached · 3 bed · Dublin 7
    Condition met
    Current observation
    Current observation available
  2. SYN-1022 Apartment · 2 bed · Dublin 8
    Condition met
    Current observation
    Current observation available
  3. SYN-0088 Terraced · 3 bed · Dún Laoghaire
    No condition met
    Current observation
    Current observation available
  4. SYN-0310 Terraced · 2 bed · Swords
    No condition met
    Current observation
    Current observation available
Synthetic records. A condition being met is an alert for investigation, not a conclusion about the property.
How it works

Four steps, and the last one is yours

  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

    Observe

    Panoperty measures buyer behaviour around each located property and keeps every reading.

    OutObservations, with window, comparator and time
  3. 03

    Your conditions

    You set the levels your team wants to hear about. Panoperty supplies no default threshold.

    InMonitoring conditions, versioned and auditable
  4. 04

    Investigate

    A condition is met, your team opens the property, reads the observations and decides.

    OutYour decision, under your process
The output

A view across the portfolio

Open a property to see its current observations, the window they cover, evidence sufficiency, provenance and history. If a lender-defined condition is met, the alert is there too.

Portfolio observation detail As at 2026-09-22 Synthetic data
Property Location Your conditions Current observation Observation window Evidence Provenance
SYN-0417 Semi-detached · 3 bed Dublin 7 Condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-1022 Apartment · 2 bed Dublin 8 Condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0088 Terraced · 3 bed Dún Laoghaire No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0310 Terraced · 2 bed Swords No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0631 Detached · 4 bed Blackrock No condition met Current observation available Current observation window Sufficient Source and calculation record available
SYN-0954 Semi-detached · 4 bed Co. Leitrim Not monitored No observation released Current observation window Insufficient Insufficient evidence recorded
  1. SYN-0417 Semi-detached · 3 bed · Dublin 7
    Condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  2. SYN-1022 Apartment · 2 bed · Dublin 8
    Condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  3. SYN-0088 Terraced · 3 bed · Dún Laoghaire
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  4. SYN-0310 Terraced · 2 bed · Swords
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  5. SYN-0631 Detached · 4 bed · Blackrock
    No condition met
    Current observation
    Current observation available
    Evidence
    Sufficient
    Provenance
    Source and calculation record available
  6. SYN-0954 Semi-detached · 4 bed · Co. Leitrim
    Not monitored
    Current observation
    No observation released
    Evidence
    Insufficient
    Provenance
    Insufficient evidence recorded
Synthetic records. A condition being met is an alert for investigation, not a conclusion about the property.

What your team sees when a condition is met

Between valuations

Market observations between valuations

A valuation fixes a value at a point in time. The market around the property carries on. Panoperty records buyer and market observations from proprietary residential market and buyer-behaviour data, with the window they cover and the time they were taken.

Readings are kept, not overwritten, so a property has a history you can look back through. What Panoperty observes

Where the line is

Observations, not conclusions

Panoperty reports what it observed. It does not tell you that a value has moved or that a property needs revaluing. Your credit and collateral people decide what the observations mean.

That is a deliberate position, and we tested our way into it. Why we publish observations

Governance

Built to be audited

Any output can be traced to the snapshot, observations and calculation version behind it.

Fixed portfolio snapshots

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

Readings kept as taken

Observations are appended, never overwritten, so you can show what was known about a property and when.

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 one more source of information between those reviews. 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 the market-information coverage around your residential book and how lender-defined conditions would work. It starts with a conversation; no portfolio data is needed.

Request a portfolio assessment Read the methodology