As a lender, your investment in a property doesn’t end at its origination. Having ongoing visibility into property title throughout the lending lifecycle is critical to managing risk, which is why Teranet offers Property Monitoring.
Teranet’s Property Monitoring service delivers post-funding visibility into title changes, enabling lenders to quickly identify risk as it relates to title and allows them to take action to reduce operational and financial exposure across the mortgage lifecycle.
Through automated monitoring of land registry activity on mortgaged properties, lenders are alerted to unexpected or unauthorized title events that may indicate emerging risk, operational issues, or fraud.
Property Monitoring offers visibility into the following:
- New or discharged charges – be notified when your charges and discharges are registered to facilitate mortgage operation flows
- Title transfers or ownership changes
- Liens, writs or other encumbrances
- Suspicious activity inconsistent with expected title and related security property title behaviour
By integrating automatically into your existing workflow, Property Monitoring offers lenders the ability to protect their portfolio through the following ways:
1. Validate and track title after registration
For lenders, validating that the property’s title remains unchanged after registration is critical. Any unexpected change, such as the addition or removal of owners, unauthorized discharges, new liens, or other alterations following registration, can affect the lender’s position and enforceability of the mortgage. Ongoing monitoring helps ensure borrower ownership and registered charges remain exactly as intended, protecting borrowers and supporting smooth enforcement of the loan.
2. Mitigate risk across your portfolio
Portfolio‑level monitoring helps lenders identify risks, including title fraud, potential clerical errors, or additional charges, which can often occur without notice. Without immediate notice of these activities, lenders can be exposed to increased risk, loss given default on the mortgage, or any costly remediation or litigation. By continuously validating that title still supports the loan as it was underwritten, lenders can protect capital, support regulatory expectations, and make more informed portfolio management decisions.
3. Identifying red flags before payment issues arise
Title changes can be often seen as early indicators of a borrower’s financial distress. Identifying these red flags early allows lenders to intervene before missed payments or defaults occur. This early visibility can significantly reduce losses by enabling timely outreach, refinancing adjustments, or risk mitigation strategies.
4. Proactively engage borrowers’ pre-renewal
Lenders can proactively engage borrowers ahead of the renewal date. This creates opportunities to detect any additional charges, liens or other encumbrances that represent renewal risk and offers more streamlined business processes in a way that benefits and protects both parties.
With the help of Property Monitoring, lenders can have continuous visibility throughout the mortgage lifecycle and can automatically support post-funding risk mitigation and renewal workflows. This helps lenders protect their portfolio throughout the lending lifecycle.
Learn more about how Property Monitoring can benefit your business workflows. Connect with one of our PurView account managers or book a demo with one of our experts today.
