Industry benchmark for Canadian Mortgage Securitization and Covered Bond activities
MortgageHub is a purpose-built, Canadian-centric mortgage securitization and covered bond software administration platform used by more than 85% of the mortgage industry, including the largest regulated banks.
Circa 20%
of the world’s top 50 banks rely on our software solutions
$1+ Trillion
assets managed across our platforms globally
SOC II Type II and
ISO 27001 accredited
MortgageHub
The dominant supplier of mortgage-backed securitization software (~85%) for the administration of the NHA MBS and CMB programs sponsored by the Canadian Mortgage and Housing Corporation, which includes processing and maintaining assets and liabilities for more than 75 approved issuers amounting to nearly a half-trillion dollars of outstanding issuances.
Unparalleled end-to-end functionality and automation to meet the intense demands of RMBS/NHA MBS/CMB/Covered Bond funding mechanisms
Quickly build, analyze, manage and price asset portfolios with detailed loan-level data and robust real-time reporting
Standardize complex tasks, save costs, reduce inefficiencies and automate your daily and monthly tasks
Manage complex financial activities with comprehensive support and audit compliant controls and monitoring
Unified management and administrative framework that aggregates multiple third-party asset servicers
Strong whole loan capabilities encompassing managing, monitoring, accounting, reporting, and funding
Pool creation and administration and exclusive support for managing all aspects of CMB participation
Covered Bond/Pool Functionality with configurable eligibility requirements to create compliant portfolios
Built-in journal and G/L accounting with user-defined chart-of-accounts and posting matrices
Purpose-Built for Canadian-Specific Requirements
Remaining at the forefront of industry and regulatory requirements is of paramount importance. MortgageHub provides its customers with peace of mind that the necessary procedural and regulatory changes can be effected within a timely manner. Examples include:
- CORRA, SOFR etc. RFR interest rate benchmark requirements
- New HTT template amendments
- Data security, privacy and overall data management protocols
- Automated regulatory reporting including data validation needs
- Best practices in terms of operational risk management and cyber security
- Automated investor reporting
- Automated rating agency feeds for new issuance and on-going surveillance needs
Automation of Workflow Activities
Automating lengthy manual processes to optimally interact with all available data including ESG, every feature has been crafted to meet the growing needs of the financial services industry in the evolving digital age.
- Advanced data ingestion and normalized table structuring
- In-built analytics and dashboards to analyze data and support reporting needs
- Optimize new originations involving multiple funding vehicles whilst confirming compliance with eligibility criteria and portfolio parameters
- Enhanced transaction structuring and modeling capabilities that do not require SQL knowledge
- Flexible reporting for both internal and external stakeholders
- Inbound files and APIs to obtain ESG, climate impact information, market rates and property information
- Outbound files to key stakeholders such as regulators, rating agencies, trustees
- Accounting, payment instructions and bank reconciliations
- Required audit and controls mechanisms
Data aggregation validation and normalization
Secure, full asset and transaction database
Analytics, funding, pool selection & structuring
Portfolio management & operational compliance
Settlement reporting, finance, account, and bank recon
Regulatory, ESG, rating agencies and investory reporting
Driving Efficiencies, Reducing Risk, and Supporting Remote Work & Audits
TAO software enables customers that have been impacted with qualified staff shortages the ability to control and automate operational tasks without the need to increase headcount and subject matter expertise. Specific processes can be undertaken and reviewed and approved via our enterprise solution with audit logs of activities undertaken and approvals provided.
Remote access and concurrent multi-user access can also be accommodated thereby supporting an organization's revised working arrangements to retain qualified staff.
Frequently Asked Questions
Extensive Data and Detailed Analytics For Superior Insights and Control
- Designed to house an unlimited number of data points, SecureHub is scalable both horizontally and vertically
- Perform detailed analytics to obtain precise asset-level information (both current and historical)
- Effectively manage ad-hoc and new regulatory, investor, management and stakeholder information and reporting requests
- Generate key performance indicators from precise datasets updated in real-time
- Create customized dashboards with detailed analytics to support your specific needs
- Generate high-quality graphs and charts for easier review and reporting
Execution Agility to Save You Time
Automated asset selection, pool modelling, eligibility checks, and concentration analysis will reduce your costs while improving accuracy.
SecureHub delivers on the promise of true automation for asset selection and portfolio optimization by employing its own algorithmic engine (Opti-Pool) to intelligently select eligible assets and optimize them for concentration limit program constraint parameters in seconds.
Automated Funding
Loans are selected to funding vehicles based upon customer’s requirements taking into consideration eligibility criteria, portfolio parameters and covenants. Thereafter, funding notices are provided in the format required by lenders.
Automated funding of top-up, drawdown processing and reporting requirements to support each funder across a range of reporting templates, asset schedules, and other key requirements.
Lower Your Risk With Exacting, Repeatable Administrative Processing
Mitigate risk and lower costs by putting the power of administration processing into your hands through SecureHub’s powerful, formula-based calculation engines
Waterfall logic is continuously validated, locked-down, and audited to ensure error-free and repeatable processes
Previously defined waterfalls and logic can be copied making it fast and efficient to set up new programs
Once locked down, ongoing audits are simplified as SecureHub produces detailed audit reports of subsequent changes and bank reconciliations
Keep Stakeholders Informed on Your Own Terms
Create and maintain multiple reports for each stage of the structured finance lifecycle to enjoy a best-in-class user experience and the flexibility to meet ongoing demands
The unique Excel® plug-in tool allows you to create and maintain multiple reports for each stage of the structured finance lifecycle
Interactive dashboards use real-time data with a powerful built-in ad-hoc analytics and reporting toolset that help you uncover key insights
Regulatory and rating agency reporting and extracts, for both program aggregates and asset-level disclosures, is made simple for multiple jurisdictions and formats as a part of SecureHub’s embedded functionality
Simplifying Your IT Infrastructure
With the TAO cloud, we manage all aspects of IT infrastructure, including application deployment, maintenance, business continuity and deployment upgrades, all while lowering the total cost of ownership.
With TAO Solution’s SOC 2 Type 2 accreditation and embedded security and control procedures, SecureHub supports the most stringent requirements of the financial services industry and regulators
Cloud-hosted instances of SecureHub are located within domestically located-cloud data centres with the highest levels of operational excellence and certifications
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