Use cases/ Mortgage lenders
Worked example
Property data API for mortgage lenders
Automate property due diligence in the mortgage underwriting workflow. Homedata gives lenders and mortgage tech platforms instant access to AVM valuations, flood risk scores, EPC ratings, leasehold data, and planning history, so underwriters can screen risk factors before instructing a physical valuation.
Complete record 50 tokens · 100 tokens = £1 · no subscription
Data lenders use
AVM Valuation
Automated valuation with confidence score and comparable evidence: desktop screening before physical valuation instruction.
Flood Risk
River, surface water, coastal, and groundwater risk scores: flag high-risk properties early in the application journey.
Leasehold Terms
Lease term, years remaining, and ground rent: automatically flag sub-80 year leases that affect mortgage eligibility.
EPC Rating
Energy performance rating: relevant for green mortgage products and minimum EPC lending policies.
Planning History
Nearly 4M applications: identify properties with refused extensions or nearby major development that may affect value.
Council Tax Band
Council tax band for properties in England, Wales and Scotland: verification for affordability calculations.
Why lenders use Homedata
Desktop screening before valuation
Flag flood risk, short leases, and structural planning issues at application stage, before instructing a physical valuation. Reduce wasted survey costs and improve processing speed.
Leasehold mortgage eligibility
The leasehold API automatically flags properties with fewer than 80 years remaining, the typical threshold below which many lenders won't lend without extension. Screen applicant properties in real time.
Green mortgage eligibility
Verify EPC band eligibility for green mortgage products at the point of application, without manual EPC portal lookups. Supports A and B band targeting for preferential rate products.
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100 tokens = £1 · Top up from £20 · First payment matched 100%.
Pricing
Pay as you go: 100 tokens = £1. Lenders typically start with a £250–£500 top-up for AVM access and volume.