The New Benchmark in Real Estate Has Arrived

Modern Lending Requires Innovation and Automation

The current appraisal landscape wasn't built for today's on-demand, automated world. As lending ecosystems have moved towards instant decisioning, digital workflows, and rapid turnaround times, traditional appraisal processes have remained largely unchanged. The result is a system that struggles to keep pace with modern market realities, highlighting the need for more efficient, cost-effective valuations that align with how the lending world operates today.

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Learn more about ValueProtect AVM.

Connect with the team at Teranet and FNF Canada today.

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Thank you for your interest in ValueProtect AVM, a member of the Teranet or FNF Canada team will contact you shortly to book time to connect.

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.

ValueProtect AVM^™

Rapid response. Reduced risk. Greater confidence.

ValueProtect AVM is designed by two industry leaders with decades of combined experience shaping modern valuation solutions, for mortgage lenders who need reliable property values quickly and consistently, while mitigating risk and controlling costs.

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 provides:

Coverage up to $2.5M in major markets
Self-report and only indemnify funded loans
Industry-leading coverage with continuously expanding zones

Indemnification Coverage:

Property type: single-family, duplex, triplex, and fourplex properties.
Urbanization: urban, rural, and remote coverage throughout Canada.

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