Property data for faster mortgage decisions.
Validate the property, model affordability, and surface risk factors before the lender does. Propalt gives broker tech teams one API for every data point that moves a mortgage decision.
The Problem We Solve
Mortgage brokers compete on speed and accuracy. A down-valuation, a missed lease issue, or an EPC surprise can collapse a chain days before completion. Yet most broker tooling still stitches together a portal valuation, a stale comparables feed, and a manual EPC lookup — losing hours on every case and missing the risk factors that lenders flag last.
The Propalt API gives broker platforms real-time valuations with comparable evidence, EPC ratings and fabric data, rental yield estimates, lease and tenure intelligence, and flood-risk indicators — all from a single endpoint, all refreshed daily. Build the case before the lender opens it.
What You Can Build
Six common patterns built on Propalt by mortgage broker engineering teams today.
Pre-decision property valuations
Generate an AVM with confidence band and 12+ comparables in under 100ms — backed by get-price-distribution for postcode-level confidence sourcing — so brokers can pre-validate a property before submitting to a lender.
Yield-aware affordability models
Pull estimated market rent and gross yield for any UK address — power BTL affordability calculators that match the lender's own rental stress tests.
Early risk-flag detection
Surface short leases, low EPC ratings, and environmental indicators (coal area, mining area) before the lender's surveyor does. Reduce drop-offs at offer stage.
EPC-driven product matching
Match clients to green mortgage products by pulling the property's EPC band, fabric data, and improvement potential — automatically.
Live deal-pipeline enrichment
Append valuation drift, EPC expiry, ownership-change signals, and get-house-price-index area-trend movements to your CRM. Spot deals that need broker re-engagement before competitors poach them.
Audit-ready evidence trails
Every valuation returned by Propalt includes a timestamped comparable set and methodology stamp — satisfy lender and FCA evidence requirements without manual compilation.
Key Endpoints for Mortgage Brokers
These 10 endpoints cover > 90% of mortgage broker workloads. Browse the full 36-endpoint directory for everything else.
Example API Response
A BTL affordability lookup — valuation, rental yield, EPC, and risk flags returned in a single response.
{ "property_id": "prop_2a9c01", "uprn": "100023456789", "address": "27 Mowbray Road, Manchester M14 5BS", "tenure": "Freehold", "property_type": "Semi-detached", "bedrooms": 3, "floor_area_sqm": 89, "valuation": { "estimate": 312000, "range": [298000, 326000], "confidence": "high", "comparables_count": 14, "last_sold": { "price": 218000, "date": "2018-06-22" } }, "rental": { "estimate_pcm": 1450, "yield_gross": 0.0558, "demand_index": "high", "void_estimate_weeks": 2.1 }, "epc": { "rating": "C", "score": 71, "expires": "2029-11-08", "fabric": { "walls": "cavity", "roof": "insulated" } }, "risk_flags": { "flood_zone": "very_low", "short_lease": "false", "ownership_changes_24mo": 0 } }
Every property data point that moves a mortgage decision. One API.
Free tier · 500 credits / month · No credit card.