Compliance & Insight
Portfolio Risk
Where the money is: by region, lender, LTV, maturity and property type. Loans that need a closer look are on the watchlist.
2 concentration limits are exceeded: #1166 combined LTV 78% (limit 75%) · #1171 combined LTV 77% (limit 75%). Both were approved as exceptions by the Owner.
Principal outstanding
$18.4M
Weighted avg. LTV
64%
Weighted avg. rate
10.2%
2nd position
35%
Largest single loan
6.8%
Exposure by region
Limit per region: 30%Bar length = share of the 30% region limit. No region is over its limit. A city not in the mapping shows as its own region.
Exposure by lender
Limit per lender: 40%Dunmore Capital funds 37% of the book, close to the 40% limit. If they stop lending, 11 loans need new lenders at renewal. Offer new deals to other lenders.
Maturity ladder
Principal maturing per month · Oct 2026 – Sep 2027Within 90 days: 7 loans · $3.09M (Nov: #1098, #1112 · Dec: #1131 + 4)Later
Loans per month: Oct 0 · Nov 2 · Dec 5 · Jan 3 · Feb 4 · Mar 5 · Apr 4 · May 5 · Jun 6 · Jul 5 · Aug 5 · Sep 4 = 48
LTV distribution
Number of loans · combined LTV for 2ndsTotal 48 loans. 2 loans are above the 75% LTV policy limit (#1166, #1171, both 2nd position, approved as exceptions).
Position mix
- 1st position
- 31 loans · $14.9M
- 2nd position
- 17 loans · $3.5M
Property type
Detached · 18$7.6M
Vacant land (construction) · 5$2.2M
Semi-detached · 6$2.1M
Multi-unit residential · 4$2.0M
Commercial / mixed-use · 3$1.6M
Townhouse · 5$1.5M
Condo · 7$1.4M
Types come from the Property type list (Settings → Lookup lists).
Arrears
Collections2.1%
- 1–30 days
- 1 · #1187 · $3,396.50 owing
- 31–60 days
- 0
- 61–90 days
- 0
- 90+ / enforcement
- 0
Concentration limits
| Limit | Policy | Book now | Where | Status |
|---|---|---|---|---|
| Max LTV · 1st position | 75% | 72% | Highest: #1112 Crestview Homes | Within |
| Max combined LTV · 2nd position | 75% | 78% | #1166 (78%), #1171 (77%) | Exceeded · 2 loans |
| Max portfolio weighted LTV | 70% | 64% | Whole book | Within |
| Max per single loan | 10% of book | 6.8% | #1219 Harbour Lane | Within |
| Max per region | 30% of book | 25.0% | Toronto | Within |
| Max per lender | 40% of book | 37.0% | Dunmore Capital Corp. | Close to limit |
| Max 2nd-position share | 25% of dollars | 19% | 17 loans | Within |
| Max construction share | 20% of dollars | 18% | 4 loans · $3.4M | Close to limit |
| Max maturing in one month | 15% of book | 14.1% | June 2027 · $2.6M | Close to limit |
Underwriting shows a concentration check on every lead in underwriting — funding it would break a limit? If Owner approval for exceptions is required, the approval screen asks for it.Underwriting →
Watchlist
| Loan | Borrower / property | Pos. | Principal | LTV | Why it's here | Owner | |
|---|---|---|---|---|---|---|---|
| #1187 | J. & R. Nguyen 9 Birchcliff Rd, Scarborough | 1st | $420,000 | 60% | NSF Sep 3 · $3,396.50 owing | Daniel Brooks | Collections |
| #1098 | K. Singh 15 Ravine Dr, Vaughan | 1st | $310,000 | 58% | Matures Nov 1 (36 days) Appraisal 13 months old | Alex Morgan | Order appraisal |
| #1112 | Crestview Homes Ltd. 220 Main St E, Milton · construction | 1st | $875,000 | 70% | Matures Nov 15 (50 days) | Alex Morgan | Renewal |
| #1204 | S. Oduya 77 Lakeshore Rd, Mississauga | 2nd | $95,000 | 75% | Combined LTV 75% Insurance certificate missing | Daniel Brooks | Insurance |
| #1166 | D. Kaur Hamilton | 2nd | $120,000 | 78% | Combined LTV 78% · exception approved | Priya Nair | |
| #1171 | Lakeshore Infill Corp. Mississauga | 2nd | $210,000 | 77% | Combined LTV 77% · exception approved | Priya Nair |
Concentration limits
Your lending policy. Underwriting warns when a new deal would break a limit, and this dashboard shows how close you are.
Email this dashboard monthly
A snapshot is sent on the day you choose. It is a report schedule and appears under Reports → Scheduled reports.
Regions
Each property's city is mapped to a region for the exposure-by-region chart. Cities not listed show as their own region. The GTA regions and Hamilton are seeded.