Fleet MortgagesProperty Portfolio Intelligence SpinePowered by Crosstide
Current view focus: Valuation routing, case readiness and exception review across the lending book.For intermediary use only.

Delivery roadmap

Horizons and Roadmap

A Fleet-first solution designed for market scale. Each horizon must earn the next.

Optional pilot workstream

Market status and valuation evidence

Test whether UPRN-linked listing status, AVM confidence and comparable evidence improve Fleet valuation routing and case completeness for a defined case cohort.

Pilot measures

  • Percentage of selected cases with identifiable UPRN and current market-status evidence.
  • Percentage of cases with AVM confidence sufficient for a defined valuation route.
  • Number of cases where listing or comparable activity changes the valuation route.
  • Number of status conflicts identified before valuation instruction.
  • Time saved in collecting property and market evidence.
  • Human override rate for suggested valuation route.
  • Number of cases where market status creates a broker or servicing action.

Pilot guardrails

  • Use approved data sources only.
  • Do not scrape portal websites or display data without rights.
  • Do not treat Sold STC as completed sale.
  • Do not use listing status as an automatic lending or servicing decision.
  • Record source, timestamp, status confidence and permitted purpose for every status field.
  • Ensure Fleet risk retains human accountability.
  • Use only synthetic demonstration data in the prototype.

Optional pilot workstream

Property risk and energy evidence

Test whether selected UPRN-linked environmental risk, EPC and property-improvement data improves Fleet valuation routing, evidence collection and case completeness in a defined buy-to-let case cohort.

Pilot measures

  • Percentage of selected cases with flood, EPC and property-risk evidence available.
  • Percentage of selected cases with high-confidence EPC and environmental-risk data.
  • Number of cases where risk data changes valuation route or evidence requirement.
  • Number of cases where EPC or improvement data creates a broker or landlord conversation.
  • Number of physical inspections avoided or appropriately triggered.
  • Human override rate for risk or valuation recommendations.
  • Data-confidence exceptions requiring remediation.

Pilot guardrails

  • Use approved sources only.
  • Do not use a single risk score to determine lending outcome.
  • Do not assume a solar, EPC or property improvement will increase rent, value or lending eligibility.
  • Do not provide investment, insurance, energy-installation or property-survey advice.
  • Record source, timestamp, confidence, permitted purpose and known limitations for each field.
  • Keep Fleet risk and underwriting teams accountable for decisions.
  • Use synthetic demonstration data only in the prototype.

Horizon 1 · 0 to 90 days

Fleet pilot

Prove the join and the decision on a defined slice of lending activity.

Scope

  • UPRN matching at submission and at instruction
  • Selected property enrichment against defined decision needs
  • AVM confidence scoring exposed to underwriters
  • Case completeness scoring for brokers and Fleet
  • Valuation routing with four defined statuses
  • Broker usability testing on live workflow
  • Governance and override model with recorded reasons
  • Optional workstream. Market status and valuation evidence
  • Optional workstream. Property risk and energy evidence

How it is measured

  • UPRN match rate
  • Complete-first-time case rate
  • Route mix
  • Override rate and reason

Prove the join. Prove the decision. Then scale the intelligence.

Start with a paid 90-day Fleet discovery and pilot.

Start with a focused Fleet pilot that proves whether trusted property status, AVM confidence and portfolio intelligence improve the decision before the platform expands.

Start with a focused Fleet pilot that proves whether trusted property status, risk, EPC evidence, AVM confidence and portfolio intelligence improve the decision before the platform expands.

Open Fleet Pilot Dashboard

All values are illustrative demonstration data. No Fleet customer, borrower, landlord or property records are used.