Solutions — Mortgage Lenders

Property Data API for Mortgage Lenders

Q: What property data do mortgage lenders need via API?

Mortgage lenders typically need: AVM (automated property valuation), EPC rating and energy efficiency data, flood and subsidence risk scores, planning constraints, title/tenure verification (freehold vs leasehold, lease length), comparable sold prices, and council tax band. The Homedata API returns all of these for any UPRN in England and Wales.

Q: How accurate are AVMs for mortgage underwriting?

Homedata's AVM uses comparable sold prices (price per sqm, adjusted for EPC floor area, property type, and recency) to estimate value with a confidence band (high / medium / low). High-confidence results are typically within 5–8% of actual sale price. AVMs are most accurate for standardised property types (flats, semis, terraces) in areas with recent comparable transactions. They are less reliable for unique, rural, or new-build properties.

Q: Can I use the Homedata API to check flood risk for a mortgage property?

Yes. The Homedata flood risk endpoint returns Environment Agency flood zone classifications (zones 1, 2, and 3), plus surface water, river, coastal, and groundwater risk bands for any UPRN. This data is used by lenders to flag high-risk properties for full flood risk assessments before offer.

Automate property decisioning across 29 million UK properties. AVM, EPC compliance screening, flood and subsidence risk, title verification, and comparable sales — all from a single REST API with sub-200 ms response times.

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Data points mortgage lenders use

AVM valuation

Estimated market value with confidence band (high/medium/low) and comparable price range.

EPC rating & energy score

EPC band (A–G), SAP score, floor area, and improvement recommendations for MEES compliance checks.

Flood risk

Environment Agency zone classification (1/2/3) plus surface water, river, coastal, and groundwater risk bands.

Tenure verification

Freehold, leasehold, or commonhold; title class; registered proprietor name and date.

Comparable sold prices

Last 20 transactions within 0.5 km for the same property type, adjusted for floor area.

Council tax band

VOA council tax band (A–H) for the subject property — used to assess ongoing ownership cost.

Single-call property due diligence

Pass a UPRN at mortgage application stage and receive EPC rating, flood risk classification, AVM estimate, and title tenure in one response. No screen-scraping, no manual searches, no per-title purchase.

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GET /api/properties/10023456789/summary/
Authorization: Api-Key YOUR_KEY

{
  "uprn": "10023456789",
  "address": "14 Thornton Road, Bristol, BS7 8EJ",
  "avm": {
    "estimate": 387500,
    "range_low": 355000,
    "range_high": 420000,
    "confidence": "high"
  },
  "epc": {
    "rating": "D",
    "score": 64,
    "expiry_date": "2027-03-15"
  },
  "flood_risk": {
    "zone": "1",
    "surface_water": "low",
    "river": "very_low"
  },
  "tenure": "freehold",
  "council_tax_band": "E"
}

Frequently asked questions

What property data do mortgage lenders need via API?

AVM, EPC rating, flood/subsidence risk, tenure verification, comparable sold prices, and council tax band. Homedata returns all of these for any UPRN in England and Wales.

How accurate are AVMs for mortgage underwriting?

High-confidence results are typically within 5–8% of actual sale price for standardised property types with recent comparable transactions. Less reliable for unique, rural, or new-build properties.

Can I check flood risk for a mortgage property?

Yes — the Homedata flood risk endpoint returns Environment Agency zone classifications and surface water, river, coastal, and groundwater risk bands for any UPRN.