For secured lenders

See the risk in your loan book before it turns into a problem.

Re-value every property securing a live loan, track LTV drift and EPC exposure across the whole back-book, and find the loan that needs attention without commissioning a single drive-by.

See what you can do
No credit card · 500 free credits / month
AI assistantPropalt connected
Re-value my residential back-book in outcode SA7 and flag LTV above 75%.
Batch re-valuation of 1,284 securing properties in 188ms. 92 now show LTV above 75%. Sample:
BOOK MONITOR● LIVE
Residential back-book · SA7
Portfolio view
Loans
1,284
LTV > 75%
92 flagged
EPC < E
37 exposure
Value drift
-1.8% QoQ
Re-valued daily · audit-grade
29M
properties you can re-value
24h
refresh across the book
188ms
portfolio-wide call
0.94
valuation accuracy (R²)
See it in action
Re-value the whole loan book and flag LTV and EPC risk.
Re-value the whole loan book and flag LTV and EPC risk.
The connector in action

Ask it the way you actually work

Real questions from your desk, answered inside Claude or ChatGPT with the Propalt AI switched on. No dashboards to learn.

ClaudePropalt connected
Which securing properties are below EPC E ahead of the 2028 MEES rule?
37 properties in the book sit below EPC E and carry compliance exposure.
37 exposedBelow EPC ERanked by risk
ChatGPTPropalt connected
Stress-test the book for a 10% price fall: breach count and capital impact.
A 10% fall pushes 148 loans past covenant. Capital impact modelled and exportable.
148 breaches10% fall scenarioCapital impact
Context

The Problem We Solve

Your security moves in value every day, but most books only see it at review, or at default. By then the options are expensive. Drive-by revaluations are slow and costly, and off-the-shelf models are thin on flats and new-builds.

The data you need sits in different systems: valuations in one, EPC in another, lease and ownership somewhere else. Risk teams spend their time joining data instead of acting on it, while pressure on EPC rules keeps rising.

What changes with Propalt

Outcomes you can rely on

01 · Portfolio revaluation

Revalue the whole book every night

Retrieve valuations by UPRN in bulk against the daily refresh. Property-level LTV replaces regional indexation, and the exception list is generated rather than estimated.

02 · LTV alerting

Alert on drift, not on the calendar

Trigger when an asset crosses an LTV threshold, or when a nearby transaction moves the local evidence. Detection moves from quarterly to daily.

03 · MEES and EPC exposure

Quantify EPC exposure across the back book

Rating, score, expiry date and fabric detail per asset. Count the assets below E, and the certificates expiring inside twelve months, in one pass.

04 · Concentration

Concentration risk at outcode level

Exposure mapped against local price movement, transaction volume and time to sold subject to contract. See the clustering the regional view hides.

05 · Model governance

Versioned endpoints and a documented audit trail

Endpoint versioning with change notice, documented schema, and record dates on every field, so any figure can be reconstructed as at a given date. Built for model validation and internal audit.

06 · Stress testing

Stress the book against real local evidence

Apply scenarios against actual outcode-level price movement and transaction history rather than a single national assumption.

29M UK properties can be re-valued at 0.94 accuracy (R²), refreshed every 24 hours across the whole book, with portfolio-wide calls in about 188ms.
For developers
Prefer the technical detail? Endpoints cover 90%+ of secured-lender workloads; full reference at propalt.ai/product/forDeveloper.
get-properties, get-property-detail, get-valuation-by-property-id, get-epc-fabric-by-postcode, get-leaseholds

Watch the whole book, re-valued every day.

Free tier · 500 credits / month · No credit card.

View full API reference
No credit card required · Free 500 credits/month