Powered by Teranet’s best-in-class AVM and FNF Canada’s industry-leading indemnity coverage ValueProtect AVM was designed for enhanced lending decisions.
Modern Lending Requires Innovation and Automation
ValueProtect AVM is an indemnified valuation delivered by two industry leaders, Teranet and FNF Canada, with decades of combined experience shaping modern valuation solutions. Our solution was designed for mortgage lenders who need reliable property values, quickly and consistently, while mitigating risk and controlling costs.
The Future of Valuations
The future of property valuations lies in scalable, automated processes, including:
- Intelligent, dynamic decision trees – leveraging insured and uninsured AVMs for low-risk transactions.
- Strategic partnerships with a trusted AVM provider – solutions that leverage robust, real-time datasets.
- Higher customer satisfaction through faster, consistent outcomes – reduced lending costs while delivering faster approvals.
- Robust AVM governance and enhanced quality controls – monitoring model performance with proactive review triggers.
Automation cuts cost and time but can introduce unmitigated risk.
The Teranet AVM
Robust and Regularly Updated Property Database
Access to over 16.6M properties across Canada, collected from authoritative Land Registry data sources.
Enhanced Property Insights
Machine learning and comparable sales AVMs analyze key data points from our National Property Database to provide the most recent and accurate estimations of value.
Valuation Methodology
The highest performing AVM models by property type and region are used in an AVM matrix that provides our most accurate estimate for each property.
Industry Proven Expertise
Key banks, mortgage insurers, regulators, and government agencies rely on Teranet’s robust data collection and analytic practices to support their business-critical decision making.
The Difference is in the Data
All AVMs use mathematical/statistical models — but data sources vary.
MLS Listing Data
- Provides listing prices (not always final sale prices)
- Covers only properties listed on MLS
- Excludes FSBO (For Sale by Owner) transactions
- Represents only part of the total market
Land Registry Data
- Managed at the provincial level
- Records all property ownership changes, mortgages, and leases
- Includes all property sales (not just MLS-listed)
- When combined nationally, provides the most complete view of sales and values across Canada
The FNF Canada Indemnification
- Coverage up to $2.5M in major markets
- Self-report and only indemnify funded loans
- A ‘good to value’ confirms the refinance can proceed using the AVM value, which is fully supported up to that amount
- Industry-leading coverage with continuously expanding zones
The new benchmark in real estate has arrived
Discover how ValueProtect AVM can help you save time, cut costs and mitigate risk.
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