Mortgage & Credit Insurance

Providing bespoke Mortgage & Credit insurance solutions to lenders and financial institutions.

Mortgage & Credit Insurance

The Mortgage & Credit division offer market and product expertise combined with AmTrust's depth of experience in providing niche and bespoke insurance solutions to lending institutions all over the world.

Lenders take on considerable risk when they provide mortgages to homebuyers and if the borrower defaults on the mortgage and the property is subsequently sold at a loss, the costs for the lender may be high. With Mortgage Insurance from AmTrust, lenders are able to minimise their risk exposure and maintain their financial stability in case of borrower default.

Our mortgage insurance enables lenders to safely increase volume in the high LTV /first-time buyer market.

We strive to create flexible solutions for our clients which;

  • Can be loan by loan as mortgages are originated (flow) or can be applied to existing portfolios (back-books).
  • Can meet several lender needs, e.g. risk transfer, provisioning savings, capital management, managing volatility and regulatory requirements.
Front door and someone signing some contracts

Flexible and Adaptable Solutions

As a niche and bespoke insurance provider, AmTrust's speciality is in creating an insurance policy that adapts to the needs of the lender. We are also able to insure mortgages for an inforce portfolio of mortgages on a back-book basis. In addition, we can look at bespoke solutions including but not limited to first loss deductible, stop loss features and different depth of cover.

Row of houses

Increasing Volume for Lenders

The high-LTV market provides greater margin to the lender, however it also involves greater risk from a credit and default perspective. Our mortgage insurance solution allows lenders to increase their volume in these high-margin sectors while keeping their risk-exposure low. Our insurance product protects against house depreciation, which in turn protects lenders in case of a borrower default. Lender loan loss provisions are reduced and lenders can preserve capital with an insurance line that maximises revenue while controlling risk.

Red roofs of housing estate

Additional Services

At no additional cost, lenders can take advantage of a number of additional services offered by the AmTrust team, including:

  • Referrals for loans that fall outside the agreed lending criteria but which may still present a good risk.
  • Audits of lenders' underwriting processes to ensure underwriting quality is kept to a high standard.
  • Joint business reviews and analyses of lenders' portfolios.
  • Advice on best practice arrears management and foreclosure solutions.
  • Advice on creating new lending criteria when developing new products or expanding into new territories.
Contact the Mortgage and Credit team to find out more. 
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