Mortgage insurance is a credit risk tool that covers lender losses following borrower default, enabling safer high‑ltv lending and improving access to homeownership.
Our solutions support responsible lending, low‑deposit mortgages and sustainable housing, helping financial institutions build a more inclusive and resilient market. with a focus on younger borrowers and low‑deposit lending, our mortgage insurance solutions enable banks, financial institutions and building societies to expand access to homeownership in a greener environment.
Expanded homeownership enables access for low‑deposit and first‑time buyers, widening the pool of eligible borrowers and promoting market inclusion.
Credit Risk Mitigation Reduce lender exposure on high‑ltv loans, strengthening portfolio performance and supporting prudent, sustainable growth.
Capital Efficiency Improve balance‑sheet strength by enabling more efficient capital allocation reinforcing resilience within regulatory frameworks.
Stability Across Cycles Provide protection during downturns, enabling lenders to maintain stable lending capacity and reduce earnings volatility.
Innovation Enablement Enable new lending solutions, including green, affordable and specialized mortgage products.
Risk mitigation and greater capacity with financial stability.
We structure and underwrite junior and mezzanine tranches that transfer the credit risk of a defined portfolio to an external protection provider. This enables banks to:
We offer excess of loss (XoL) reinsurance covering underlying mortgage credit risk. This provides:
Capital and Balance Sheet Optimization Reduce RWA and improve regulatory capital ratios, enabling greater balance sheet flexibility and resilience.
Cost Efficient Execution of SRT Transactions Benefit from highly efficient structures designed to achieve SRT in line with regulatory expectations while preserving economic value.
Higher Risk Adjusted Returns Free up capital and redeploy it toward higher‑yielding, strategic assets to improve overall portfolio profitability. Additional Capacity for Sustainable Growth Unlock new lending capacity and support origination strategies aligned with long term, sustainable economic growth.