Solutions: Mortgage Lenders
Property data API for mortgage lenders
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.
What it covers
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
Council tax band for the subject property: used to assess ongoing ownership cost.
Worked example
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 manual searches, no per-title purchase.
GET /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"
}
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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.
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.
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 in England. This data is used by lenders to flag high-risk properties for full flood risk assessments before offer.
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 in England.
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