Delivery roadmap
Horizons and Roadmap
A Mortgage Lender-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 Mortgage Lender 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 Mortgage Lender 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 Mortgage Lender 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 Mortgage Lender risk and underwriting teams accountable for decisions.
- Use synthetic demonstration data only in the prototype.
Horizon 1 · 0 to 90 days
Mortgage Lender 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 Mortgage Lender
- 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 Mortgage Lender discovery and pilot.
Start with a focused Mortgage Lender pilot that proves whether trusted property status, AVM confidence and portfolio intelligence improve the decision before the platform expands.
Start with a focused Mortgage Lender pilot that proves whether trusted property status, risk, EPC evidence, AVM confidence and portfolio intelligence improve the decision before the platform expands.
Open Mortgage Lender Pilot DashboardAll values are illustrative demonstration data. No Mortgage Lender customer, borrower, landlord or property records are used.