KMRC extends credit to its participating Primary Mortgage Lenders (PMLs), secured by mortgage loan portfolio that meet the KMRC eligibility Criteria. The Company does not acquire or hold mortgage loans in its books neither does it assume any direct credit risk on mortgage loans offered as collateral.

The PMLs assign their interests in the mortgage portfolio in favour of KMRC. The pledged loans remain on the PMLs' balance sheet. If a loan pledged to KMRC becomes non-performing, the PML is required to replace it with a performing loan.