Watch your collateral book in real time.
Re-value, stress-test, and surface risk across every property securing a live loan — without commissioning a single drive-by. Propalt gives lending risk teams one API for the data that moves a securing property's value.
The Problem We Solve
Secured lenders carry collateral risk that moves every day — but most lending books only see that movement at periodic review, or worse, at default. Drive-by revaluations are expensive and slow. Off-the-shelf AVMs cover the high street but thin out on flats, new-builds, and the long tail. EPC data sits in one vendor, lease data in another, ownership in a third. Risk teams spend more time reconciling than analysing.
The Propalt API gives lending risk and portfolio teams portfolio-wide AVMs with confidence bands, MEES-aligned EPC obsolescence flags, lease and tenure intelligence, ownership change detection, and postcode-level concentration analytics — refreshed daily across the whole book. Spot the loan that needs attention before it needs intervention.
What You Can Build
Six common patterns built on Propalt by lending risk and portfolio engineering teams today.
Portfolio revaluation on demand
Re-value every property in a securing book via a POST get-properties batch call, layered with get-house-price-index for area-level drift detection. Returns AVM, confidence band, comparable evidence, and movement vs. last valuation — suitable for periodic review or covenant monitoring.
EPC obsolescence tracking
Surface every securing property with an EPC below the 2028 / 2030 MEES thresholds, ranked by exposure. Quantify the regulatory risk in the BTL book before the regulator does.
Loan-level early warning signals
Flag ownership changes, short leases approaching 80 years, EPC expiry, and environmental indicators (coal-area, mining-area) on properties securing active loans — before they surface at default.
Geographic and product concentration
Cluster the book by postcode, property type, tenure, and EPC band. Quantify concentration risk against PRA expectations without a manual SQL pass.
Scenario stress-testing
Apply price-movement scenarios to every securing property and return the resulting LTV distribution, breach count, and capital impact — backed by get-quarterly-market-analysis and get-regional-analysis for realistic regional shock parameters. Replace spreadsheet stress models with live data.
Audit-grade evidence packs
Every Propalt valuation returns timestamped comparables, methodology, and source provenance. Drop the JSON straight into audit, internal model validation, or s.166 review.
Key Endpoints for Secured Lenders
These 10 endpoints cover > 90% of secured-lender workloads. Browse the full 36-endpoint directory for everything else.
Example API Response
A nightly book revaluation — LTV drift, MEES exposure, and breach detection across 412 securing properties in a single response.
// Sample of 412 property records returned by the batch lookup [ { "property_id": "prop_8a2c44", "estimated_value": 285000, "tenure": "Leasehold", "lease_years_remaining": 78, "epc_rating": "D", "current_owner_type": "individual" }, { "property_id": "prop_2e1d77", "estimated_value": 412000, "tenure": "Freehold", "epc_rating": "C", "current_owner_type": "corporate" } // … 410 more ] // Book-level rollup computed client-side from the batch above: { "weighted_ltv_drift": "+2.1%", "epc_below_c_count": 84, "lease_under_80yrs_count": 6, "top_postcode_concentration": "M14 (6.1%)" }
Every securing property. Re-valued daily. One API.
Free tier · 500 credits / month · No credit card.