Measured around the property
Each reading comes from comparable market activity around that property, not a regional average or index.
What we observe
Buyer behaviour around residential collateral
A valuation fixes a value at a point in time, and completed sales tell you what has already happened. In between, buyers are active around comparable properties every week. Panoperty measures that activity from proprietary residential market and buyer-behaviour data.
Why it is useful
Buyer behaviour is market information that can be observed around a property between formal valuation events. It gives a collateral team another view of the environment around the property without claiming to say what that means for its value.
Panoperty puts it in front of them, property by property, and leaves the interpretation to them.
What a reading carries
Described with its context
A reading carries the window it covers, the comparator population behind it and the time it was taken.
Kept as taken
Readings are appended, never overwritten, so you can see what was known about a property and when.
Withheld when thin
Where there is not enough activity behind a reading, Panoperty withholds it and says so rather than estimating.
What the observations do not tell you
Panoperty reports what it observed and when. It does not conclude that a property's value has changed or recommend a revaluation.
Panoperty keeps the observation separate from the lender's judgement. That lets a team inspect the facts and apply its own policy rather than relying on a Panoperty verdict. Read the boundary
Panoperty covers residential collateral in Ireland. Observations are concentrated in the Dublin area and are currently limited elsewhere, so many properties outside Dublin will not have enough activity behind them to monitor.
Check coverage for your own book
Coverage varies by location and property type. An assessment shows how much of your book has enough activity behind it to monitor.