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Loan & Mortgage Software

Software to manage loans & mortgages.

View Tech Specs

Stay liquid. Stay strong.

Most of our customers continued to get stronger through the liquidity crisis of 2008. Why? For starters, many of them fund their loans, leases, and mortgages with our term deposit software. This gave them access to billions in deposits. Their competitors who relied on asset backed commercial paper did not fare so well. Some of our customers also had the option to securitize mortgages, or to fund loans through pooled investors or private capital. The important thing is that they had options. And options are a good thing.

Offer any type of loan or mortgage.

Go to market with virtually any type of loan including mortgages, car loans, personal loans, second mortgages, construction loans, and more. Use variable or fixed rates. Accommodate any kind of periodic payment. Our loan and mortgage software delivers. Give us a call to find out more.

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Choose multiple funding sources.

Fund your loans and mortgages from retail deposits, term deposits, single or multiple investors, asset backed commercial backed paper, or any combination thereof. You can also choose to securitize eligible mortgages if you wish. Stay liquid. Be flexible.

Need stronger partners?

Billions of dollars in loans and mortgages go through some of our customers' partners every year. So it's important that every software interface works well. We've written dozens of interfaces through the years. Chances are we have an interface to the business partners that you work with. Give us a call to find out.

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Scale your growth.

Portfolio Plus Loan & Mortgage software allows you to grow your loan volume without adding linearly to your headcount. In other words, your opportunity for profit grows with your loan volume.

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Sense trouble early.

NSF notifications are usually the first sign of trouble. You need to take fast action. You can choose to send letters to your customers through Portfolio Plus Office Link or take faster action (through texting, email, or by phone) by using Portfolio Plus Collector.

Loan & Mortgage Architecture

Our Loan & Mortgage software relies on a complex architecture that can integrate with credit facility, securitization, and servicing features that allow you to work with your partners and offer countless lending product types.

Diagram depicting loan software and mortgage software architecture.

Details and Specifications

Loan & Mortgage Software.

Loan & Mortgage Types

  • Automotive and Car Loans
  • Residential Mortgages
  • Commercial Mortgages
  • Construction Mortgages
  • Variable Rate Mortgages
  • Introductory Rate Mortgages
  • Second and Third Mortgages
  • Lines of Credit
  • Government Loans
  • Letters of Credit
  • Loans with Balloon Payments
  • Debt Consolidation
  • Bridge Loans
  • Convertible Mortgages
  • Consumer Loans
  • Business Development Loans
  • RRSP Loans
  • Manufacturer Loans

Admin Processing

Portfolio Plus provides the following administrative processing options:

  • Payments
  • Property Taxes
  • Life Insurance
  • Disability Insurance
  • Renewals
  • Payment Changes
  • Collections
  • Statements
  • Correspondence
  • Discharge

Origination Workflow

Application. You can accept an application from the web, XML feed, an agent, or enter the information directly.

Credit Approval Form. You have the option of using a credit bureau, creating your own scoring system, or a combination of both. Portfolio Plus has internal calculators to help calculate Total Debt Service and Gross Debt Service.

Credit Bureau. You can perform a credit bureau query at any step during the approval process using the credit bureau interfaces to TransUnion or Equifax.

Commitment Documentation. Once the financing is approved, you can produce a letter of commitment or other documents that specify what is required before funding can occur.

Lawyer Instructions. Once the customer has provided all necessary documentation to satisfy your requirements, you can issue lawyer instructions in association with any funding.

Funding. Portfolio Plus will generate the cheque along with any documentation you require for funding. The appropriate system entries are made for accounting journals and administration.

Customized Security

Portfolio Plus allows you to customize security for each of your employees and/or groups of employees. The system administrator establishes the users and groups and then chooses the restrictions to be applied to those users and groups.

Help for Employees

Subsidized Lending. Employers and other groups can offer their employees or members special rates by subsidizing these rates with a lending partner. Portfolio Plus supports subsidization.

The Lender's Scratch Pad. The scratch pad utility provides a set of services and reports that help you sell more product. With a customer or agent on the phone, you're able to quickly calculate hypothetical amortization schedules, bi-weekly versus monthly payments, lump sum payment effects on a loan, lease, or mortgage schedule, and more.

Plug-In Banking Architecture

Portfolio Plus was designed to evolve with your business. The Loan & Mortgage software integrates seamlessly with our Accounting software, and any other modules that are required to perform your business. As an example, if you added Retail and Web Banking, the loans, leases, and mortgages can appear on your customers' web banking interface.


General & Management Reports

  • Maturity
  • PPSA Expiry Dates
  • Renewal
  • Loans by Pay Mode
  • Floating Rate
  • Life Insured
  • Discharges Requested
  • Provincial Breakdown
  • Loans by Tax Authority
  • Regulatory Reports
  • Aggregate Exposure
  • Bulk Consolidation
  • Insurance Expiries
  • Arrears
  • Loans by Pay Plan
  • Loans Paid Out
  • Portfolio Reports

Key Status Reports

  • Awaiting Approval
  • Commitments Outstanding
  • Applications to Fund
  • Outstanding Funding
  • Funded
  • Commitment Summary
  • Funding Volume (by underwriter or broker)
  • Funding Summary (by underwriter or broker)
  • General Query
  • Cancelled Application
  • Outstanding Broker Requirements
  • Outstanding Lawyer's Requirements

Questions?    We have answers.

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