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Broker Portfolio Health
Client. Northbridge Property Holdings Ltd. Intelligence that supports your advice and your client conversations. It does not replace them.
Built to support broker advice and clearer client conversations. It does not disintermediate the broker.
Client portfolio summary
Properties
24
Portfolio value
£4.35m
Outstanding debt
£3.02m
Blended LTV
69.4%
Case readiness score
82 / 100
Across live and pipeline cases
Fleet placeability
Likely
Subject to full assessment
Maturities in 90 days
4
Compliance actions open
7
Upcoming product maturities and refinance opportunities
Create a follow-up task where a refinance or product transfer conversation is warranted.
| Property | Balance | LTV | Maturity | Opportunity | Action |
|---|---|---|---|---|---|
| 62 Sefton Road, Liverpool | £128,000 | 81.0% | 2026-08-31 | Review leverage before refinance | |
| 8 Camden Row, Birmingham | £201,000 | 75.0% | 2026-09-15 | Refinance or product transfer | |
| 27 Ashgrove Terrace, Sunderland | £101,000 | 76.5% | 2026-09-30 | Review leverage before refinance | |
| 31 Beechwood Drive, Nottingham | £160,000 | 74.8% | 2026-10-15 | Refinance or product transfer | |
| 18 Oakfield Avenue, Newcastle upon Tyne | £138,000 | 71.9% | 2026-10-31 | Refinance or product transfer | |
| 14 Peel Street, Preston | £94,000 | 77.0% | 2026-10-31 | Review leverage before refinance | |
| 11 Kingsway Mews, Manchester | £142,000 | 69.3% | 2026-11-30 | Refinance or product transfer |
Client Market Activity
Approved market-status signals across the client portfolio, used to identify a timely conversation.
Client properties actively marketed
5
Client properties Sold STC
2
Not completed sale evidence
Product maturities within 90 days
4
Properties with AVM movement
6
Comparable movement may affect LTV
3
Properties requiring a client conversation
7
Compliance or tenancy-status conflict
2
Status unknown or stale
1
Refinance conversation
Maturity and leverage support an early client discussion.
Property sale or disposal discussion
Property is listed or Sold STC. Confirm client intent.
AVM and LTV review
AVM movement or comparable activity may change leverage.
Compliance or tenancy review
Listing and tenancy signals conflict on the record.
Missing evidence
Outstanding items would delay submission.
Product maturity discussion
Maturity falls within the next 90 days.
Market status is an approved decision-support signal. It helps a broker identify a timely client conversation. It does not replace broker judgement or customer confirmation.
Illustrative demonstration data only. Market status is sourced from approved providers and may not represent legal completion.
Portfolio Resilience and Improvement Opportunities
Evidence-led risk and improvement signals across the client portfolio, used to identify a timely conversation.
Properties with EPC D or below
11
Properties with EPC improvement headroom
8
Potential band C or better
Properties with solar screening opportunity
6
Elevated flood or physical risk
3
Product maturity in the next 12 months
9
Improvement, refinance or retention conversations
7
Timely client discussions
Requiring landlord evidence or assessment
5
Planning, tenure or lease checks needed
2
Flood or environmental-risk review
Surface-water or river risk needs evidence before the next conversation.
Subsidence or physical-condition review
Ground-stability signal requires specialist or physical assessment.
EPC improvement conversation
Band D or below with improvement headroom identified.
Solar or renewable-energy feasibility discussion
Screening only. Feasibility, consent and survey evidence still required.
Rent, yield or valuation opportunity review
Test any impact against local comparable evidence.
Product maturity and refinance discussion
Maturity within 12 months supports an early conversation.
Evidence or survey required
Landlord evidence, title, planning or survey outstanding.
Property risk and improvement signals help identify a timely client conversation. They do not replace broker judgement, customer choice, survey evidence or lender criteria.
Illustrative demonstration data only. Risk and opportunity signals are decision-support information, not lending or investment advice.
Properties with material AVM movement
| Property | Previous estimate | Current estimate | Movement | Why it matters |
|---|---|---|---|---|
| 18 Oakfield Avenue, Newcastle upon Tyne | £186,000 | £192,000 | +3.2% | LTV improves to 71.9%, earlier refinance window |
| 62 Sefton Road, Liverpool | £166,000 | £158,000 | -4.8% | LTV moves above 80%, review before submission |
| 8 Camden Row, Birmingham | £259,000 | £268,000 | +3.5% | Additional headroom subject to inspection |
Missing information that would delay submission
| Case | Outstanding item | Effect |
|---|---|---|
| FLT-24118 | Bank statements dated within 45 days | Delays underwriting sign-off |
| FLT-24125 | UPRN evidence for ambiguous terrace address | Blocks enrichment and case progress |
| FLT-24129 | Gas safety certificate | Prevents route confirmation |
| FLT-24126 | Refreshed rental evidence | Stress cover close to criteria threshold |
EPC and compliance actions affecting placeability
| Property | EPC | Compliance | Suggested next action | Reason |
|---|---|---|---|---|
| 18 Oakfield Avenue, Newcastle upon Tyne | D | Action required | Desktop review and EPC plan | Lender criteria and portfolio compliance completion |
| 27 Ashgrove Terrace, Sunderland | D | Review | Refinance conversation | Lender criteria and portfolio compliance completion |
| 62 Sefton Road, Liverpool | E | Action required | Physical valuation and EPC action | Lender criteria and portfolio compliance completion |
| 31 Beechwood Drive, Nottingham | D | Review | Evidence request | Lender criteria and portfolio compliance completion |
| 8 Camden Row, Birmingham | D | Action required | Licence evidence and physical valuation | Lender criteria and portfolio compliance completion |
| 23 Marsden Close, York | C | Review | Confirm gas safety evidence | Lender criteria and portfolio compliance completion |
All values are illustrative demonstration data. No Fleet customer, borrower, landlord or property records are used.