What property data does Homedata provide for mortgage brokers?

The Broker Package gives you EPC ratings, flood risk scores, radon levels, noise, air quality, landfill proximity, council tax bands, and property records (bedrooms, type, floor area) — all via a single REST API. Covers England and Wales.

How much does the mortgage broker API package cost?

The Broker Package starts at Starter (£49/month for 2,000 calls). Free tier available with 100 calls/month — enough to build and test. No contracts, cancel anytime.

Can I check flood risk for a property using this API?

Yes. The /api/risks/{risk_type}/?uprn= endpoint returns flood risk, radon levels, noise, landfill proximity, coal mining, air quality, and invasive plants risk for any UPRN. Call each risk type separately — one call per risk. Risk levels are returned as bands (Very Low / Low / Medium / High) with plain-English descriptions.

Does the API include EPC ratings?

Yes. The /api/epc-checker/{uprn}/ endpoint returns current and potential energy efficiency scores (numeric 1–100), EPC floor area, construction age band, and last assessment date.

Broker Package · Starter £49/month

Property data API
for mortgage brokers.

EPC ratings, flood risk, radon, council tax, and full property records in one API. Automate the due diligence questions your underwriters ask on every case — without manual lookups or portal screen-scraping.

Start building free Read the docs →

Free tier: 100 calls/month. No credit card required.

29M+

UK residential properties

Environmental risk types

Very Low–High

Risk band labels returned

1 call

per risk type

What's in the Broker Package

Core Property + Risk & Environment modules. Address verification through to environmental due diligence — the underwriting checklist in API form.

Risk & Environment · 1 call

Environmental risk bundle

Flood, radon, noise, landfill, coal mining, air quality, and invasive plants — 7 environmental risk types. One call per risk type. Returns risk band (Very Low → High) with plain-English descriptions.

GET /api/risks/{risk_type}/?uprn=

Core Property · 1 call

EPC rating

Current energy efficiency (numeric), potential efficiency, floor area, and last assessment date. Full certificate data via the extended endpoint.

GET /api/epc-checker/{uprn}/

Core Property · 1 call

Property record

Bedrooms, bathrooms, property type, floor area, construction year, garden, parking, and sold price history for any UPRN.

GET /api/properties/{uprn}/

Core Property · 1 call

Council tax band

Council tax band and billing authority for any property address. Verify affordability calculations without manual council lookups.

GET /api/council_tax_band/

Address · find 2 calls, retrieve 5

Address lookup

Type-ahead address search and full address lists by postcode. Returns UPRN for chaining into property and risk endpoints. Find costs 2 calls, retrieve costs 5 — reflecting real licensing costs.

GET /api/address/find/?q=

Risk & Environment · 1 call

Deprivation index

IMD rank and decile, income/employment/education/crime/living environment sub-scores by postcode. Context for lending decisions in specific areas.

GET /api/deprivation/?postcode=

Automate the underwriting checklist

Address → UPRN → property record + risks + EPC. Three calls. The questions every underwriter asks, answered programmatically.

Step 1 — resolve address to UPRN (2 calls)

curl "https://api.homedata.co.uk/api/address/find/?q=14+Elm+Street+Leeds"
  # no API key required for public endpoint — 2 calls on V1 API

# Step 2 — flood risk (1 call, Starter+)
curl -G "https://api.homedata.co.uk/api/risks/flood/" \
  --data-urlencode "uprn=100023456789" \
  -H "Authorization: Api-Key YOUR_API_KEY"
  # returns results[].label: Very Low | Low | Medium | High

# Step 3 — radon risk (1 call, Starter+)
curl -G "https://api.homedata.co.uk/api/risks/radon/" \
  --data-urlencode "uprn=100023456789" \
  -H "Authorization: Api-Key YOUR_API_KEY"

# Step 4 — EPC rating (1 call, Core)
curl "https://api.homedata.co.uk/api/epc-checker/100023456789/" \
  -H "Authorization: Api-Key YOUR_API_KEY"
  # returns current_energy_efficiency (1-100), potential_energy_efficiency, epc_floor_area

import requests

API_KEY = "YOUR_API_KEY"
BASE    = "https://api.homedata.co.uk"
HEADERS = {"Authorization": f"Api-Key {API_KEY}"}

# Step 1 — resolve address to UPRN (2 calls)
r    = requests.get(f"{BASE}/api/address/find/", params={"q": "14 Elm Street Leeds"})
uprn = r.json()["suggestions"][0]["uprn"]

# Step 2 — flood risk (1 call)
flood_data = requests.get(
    f"{BASE}/api/risks/flood/", headers=HEADERS, params={"uprn": uprn}
).json()
flood_label = flood_data["results"][0]["label"] if flood_data.get("results") else "Unknown"
flood_desc  = flood_data["results"][0]["properties"]["description"] if flood_data.get("results") else ""
print(f"Flood risk: {flood_label} — {flood_desc}")

# Step 3 — radon risk (1 call)
radon_data  = requests.get(
    f"{BASE}/api/risks/radon/", headers=HEADERS, params={"uprn": uprn}
).json()
radon_label = radon_data["results"][0]["label"] if radon_data.get("results") else "Unknown"
print(f"Radon:      {radon_label}")

# Step 4 — EPC check (1 call)
epc = requests.get(f"{BASE}/api/epc-checker/{uprn}/", headers=HEADERS).json()
print(f"EPC: {epc.get('current_energy_efficiency')}/100 (potential: {epc.get('potential_energy_efficiency')})")
print(f"Floor area: {epc.get('epc_floor_area')} m²")

const API_KEY = 'YOUR_API_KEY';
const BASE    = 'https://api.homedata.co.uk';
const headers = { 'Authorization': `Api-Key ${API_KEY}` };

async function runDueDiligence(address) {
  // Step 1 — UPRN lookup (free)
  const findResp = await fetch(`${BASE}/api/address/find/?q=${encodeURIComponent(address)}`);
  const { suggestions } = await findResp.json();
  const { uprn } = suggestions[0];

  // Step 2 + 3 + 4 — flood, radon, EPC in parallel (saves latency)
  const [floodResp, radonResp, epcResp] = await Promise.all([
    fetch(`${BASE}/api/risks/flood/?uprn=${uprn}`, { headers }),
    fetch(`${BASE}/api/risks/radon/?uprn=${uprn}`, { headers }),
    fetch(`${BASE}/api/epc-checker/${uprn}/`, { headers }),
  ]);

  const flood = await floodResp.json();
  const radon = await radonResp.json();
  const epc   = await epcResp.json();

  return {
    uprn,
    floodLabel:   flood.results?.[0]?.label ?? 'Unknown',
    floodDesc:    flood.results?.[0]?.properties?.description ?? '',
    radonLabel:   radon.results?.[0]?.label ?? 'Unknown',
    epcCurrent:   epc.current_energy_efficiency,
    epcPotential: epc.potential_energy_efficiency,
    floorAreaM2:  epc.epc_floor_area,
  };
}

runDueDiligence('14 Elm Street Leeds').then(console.log);

Broker Package pricing

Transparent call weights — most property data costs 1 call, address find is 2 calls, retrieve is 5 calls. Budget your API costs the same way you budget any line item.

Free

100 calls/month · Core only

Address lookup (find 2 calls, retrieve 5)
Property records + EPC
Build and test locally

Get started

Broker Package

Starter · £49/mo

2,000 calls · Core + Risk

Everything in Free
Flood + radon risk
Noise + landfill + air quality
Deprivation index
Council tax band

Get started free →

Growth · £149/mo

10,000 calls · Core + Risk + Market

Everything in Starter
Comparable sales
Price trends
Higher volume

View all plans

Related resources

Flood Risk API →

Full endpoint reference — parameters, response schema, risk score methodology.

EPC Energy API →

Energy efficiency ratings and full certificate data by UPRN.

Estate Agent Package →

Comparables, price trends, and live listings for valuation and market reports.

Property data APIfor mortgage brokers.

What's in the Broker Package

Environmental risk bundle

EPC rating

Property record

Council tax band

Address lookup

Deprivation index

Automate the underwriting checklist

Broker Package pricing

Related resources

Property data API
for mortgage brokers.