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Current view focus: Valuation routing, case readiness and exception review across the lending book.For intermediary use only.

Fleet underwriting · Horizon 1 pilot

Valuation Routing and Case Readiness

Confidence-led decision support. Select a case to see why it has been routed as it has, and what would change the route.

Routing statuses

AVM-supported route

High confidence, sufficient evidence.

Desktop review

Good data, but underwriter review needed.

Physical valuation

Low confidence, exception or property risk.

Evidence required

Missing or conflicting data.

A valuation recommendation is an informed decision-support signal, not an automatic lending decision. Fleet retains human accountability and can override any recommendation. Every override is recorded with a reason and forms part of the audit trail.

Case list

Twelve illustrative buy-to-let cases.

CaseBrokerApplicantPropertyUPRNAVMEPCLTVFlagsCompleteSuggestedFinalAction
FLT-24118Northgate Mortgage PartnersNorthbridge Property Holdings Ltd18 Oakfield Avenue, Newcastle upon TyneValidatedMediumD71.9%EPC renewal due82%Desktop reviewDesktop reviewReview comparables
FLT-24119Tyne Valley FinancialS. Kaur4 Bramley Court, LeedsValidatedHighC64.9%None96%AVM-supported routeAVM-supported routeProceed
FLT-24120Pennine Mortgage BureauAshfield Lettings Ltd62 Sefton Road, LiverpoolPartial matchLowE81.0%EPC below C, flood zone 261%Physical valuationPhysical valuationInstruct valuation
FLT-24121Northgate Mortgage PartnersNorthbridge Property Holdings Ltd8 Camden Row, BirminghamValidatedLowD75.0%HMO licence expiring68%Physical valuationPhysical valuationInstruct valuation
FLT-24122Chesterfield AdvisoryR. Okonkwo5 Cavendish Street, SheffieldValidatedHighC65.2%None94%AVM-supported routeAVM-supported routeProceed
FLT-24123Mersey Mortgage DeskHarlow Estates Ltd11 Kingsway Mews, ManchesterValidatedMediumC69.3%Leasehold, 78 years88%Desktop reviewDesktop reviewReview lease term
FLT-24124Yorkshire Broker NetworkL. Fenwick9 Wharfedale Rise, BradfordValidatedHighC67.0%None97%AVM-supported routeAVM-supported routeProceed
FLT-24125Pennine Mortgage BureauCragside Rentals Ltd27 Ashgrove Terrace, SunderlandUnmatchedLowD76.5%Address ambiguity47%Evidence requiredEvidence requiredRequest UPRN evidence
FLT-24126Chesterfield AdvisoryNorthbridge Property Holdings Ltd31 Beechwood Drive, NottinghamValidatedMediumD74.8%Rental evidence dated79%Desktop reviewDesktop reviewRefresh rental evidence
FLT-24127Tyne Valley FinancialNorthbridge Property Holdings Ltd77 Elmfield Gardens, GatesheadValidatedHighC61.7%None98%AVM-supported routeAVM-supported routeProceed
FLT-24128Mersey Mortgage DeskP. Ahmed14 Peel Street, PrestonValidatedMediumD77.0%Non-standard construction query72%Physical valuationDesktop reviewUnderwriter override recorded
FLT-24129Yorkshire Broker NetworkHarlow Estates Ltd23 Marsden Close, YorkValidatedMediumC70.4%Gas safety evidence missing84%Evidence requiredEvidence requiredRequest certificate

FLT-24118

18 Oakfield Avenue, Newcastle upon Tyne

Northbridge Property Holdings Ltd · Northgate Mortgage Partners

Desktop reviewCompleteness 82%LTV 71.9%

Why this route

  • AVM confidence is medium. Three comparables within 400m, one recent transaction older than nine months.
  • EPC expires within 120 days, which affects the stressed rental assumption.
  • UPRN validated, title reference matched, no boundary ambiguity.
  • Case completeness 82%. Bank statements dated within the last 45 days are outstanding.

What would change the route

Resolving the outstanding evidence above and refreshing the affected sources would allow the case to be reconsidered for a lighter route.

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