Abstract: A data processing system and method are disclosed which finds particular application to equity finance mortgages. An Overall System 600 is formed from a Target Investment System 100, an Asset Origination System 200, an Asset Securitization System 400, an Asset Servicing System 300 and an Asset Management System 500. Financial feedback is applied to ensure targets are achieved. Mortgages are pooled and on-sold to investors and selected for acceptance on the basis of preferences expressed by the investors. Preferably the mortgage or like financial arrangement includes provisions relating to mitigating collateral valuation risk and consumer gaming.

Abstract: A method, apparatus and system for computing mortgage insurance premiums for shared equity mortgages are disclosed. Such shared equity mortgages rank behind a conventional interest bearing first mortgage and both mortgages are secured over the same property. Details of the mortgages and property are stored in the data store of a computer system. The future sale price at predetermined future dates for each property is estimated in order to calculate each possible future loss in the event that the shared equity mortgage is terminated at each future date. This information and an estimated probability of termination at each future dates are used to calculate an appropriate insurance premium.

Abstract: A data processing system and method are disclosed which finds particular application to equity finance mortgages. An Overall System (600) is formed from a Target Investment System (100), an Asset Origination System (200), an Asset Securitization System (400), an Asset Servicing System (300) and an Asset Management System (500). Financial feedback is applied to ensure targets are achieved. Mortgages are pooled and on-sold to investors and selected for acceptance on the basis of preferences expressed by the investors.