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Protection to Lenders against the unenforceability of your mortgage

Since 1996, we’ve provided lenders title insurance for hundreds of thousands of residential and commercial mortgage transactions in Australia and New Zealand.

The benefits of using our Lender title insurance policies

A First Title policy protects you against the unenforceability of your interest in the property.

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Our lender products

Our products and services include title insurance programs for a range of property types and mortgage lending processing models.

FASTRefi

Facilitates the refinancing of a home loans in days, rather than weeks. Conditions and exclusions apply.

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Residential Loan Protection Policy

It helps to protect against the unenforceability of the mortgage. Conditions and exclusions apply.

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Commercial Mortgage Lenders Policy

Title insurance coverage for commercial mortgage transactions. Conditions and exclusions apply.

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FASTRefi benefits to your client

The FASTRefi service benefits lenders and borrowers by reducing settlement timeframes, providing certainty of funding date and improving the borrower’s mortgage fulfilment experience.

Title Insurance for New Zealand Lenders

 
We offer FASTRefi and Residential Loan Protection Policies to New Zealand lenders. speak to us today about our coverage.
 
New Zealand - overseas policyholder preference

First Title is a licensed general insurer in New Zealand under the auspices of the Reserve Bank of New Zealand. Please note for New Zealand claims an overseas policyholder preference applies. Under Australia law, in the event of First American Title Insurance Company of Australia Pty Limited being, wound up, its Australian assets must be applied to its Australian liabilities before New Zealand liabilities. Therefore New Zealand claimants would be required to wait until all Australian claims against First Americal Title Insurance Company of Australia Pry Limited had been settled.

 
Solvency disclosure

First American Title Insurance Company of Australia Pty Ltd’s solvency margin is as follows:

Actual solvency capital - $16,456,000
Minimum solvency capital - $5,000,000
Solvency margin - $11,456,000 or 3.2912 times
Solvency ratio - 329%

As at 30 June 2018

 
Financial strength information

Insurer rating

First American Title Insurance Company of Australia Pty Limited has an A (Excellent) financial strength rating provided by A.M. Best Company.

A.M. Best's Insurers Financial Strength Rating Scale descriptors are:

 
Secure

A++, A+  (Superior)
A, A-        (Excellent)
B++, B+  (Good)

Vulnerable

B, B-       (Fair)
C++, C+  (Marginal)
C, C-        (Weak)
D              (Poor)
E              (Under Regulatory Supervision)
F              (In Liquidation)
S              (Suspended)

Rating Information can be viewed at www.ambest.com.