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.
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 →
20M applications — identify properties with refused extensions or nearby major development that may affect value.
Council Tax Band →
Bands A–H for any property — 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.
Pricing
Free tier covers 100 calls/month. Lenders typically start on the Growth plan (£149/month) for AVM access and higher call volumes.
See all plans