Automated valuation model for instant property valuations

Automated Valuation Model

Our Automated Valuation Model (AVM) is the UK’s industry-leading valuation model. It generates accurate, instant property valuations to drive confident lending decisions.

UK lenders have relied on us for instant, accurate property valuations since 2002. Our AVM gives lenders lower costs and faster time to yes, with no additional risk.

Our AVM is the UK market leader. In fact, 17 of the top 20 UK mortgage lenders use our AVM as an integral part of their processes.

Adopted by over 50 Residential Mortgage-backed Securities (RMBS) ours was the first model accredited by major ratings agencies including Moody’s, Standard & Poor and Fitch.

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Faster, more efficient mortgage applications

Automation reduces the typical mortgage application timeframe by one week, by simplifying and speeding up the process. Surveyor costs are reduced by £150-£200 per property, driving major savings with no impact on accuracy. 

Proven, integrated, trusted

Our AVM integrates with each lender’s mortgage systems, delivering industry-tested, validated solutions into your process. Our AVM is proven across property purchase, remortgage and buy-to-let.

We perform more than 50 million valuations each year, and our accuracy has earned lenders’ trust over 20 years of experience.

We regularly test AVM performance against surveyor valuations across c.75% of the mortgage market. 80% of our valuations are within 10% of the surveyor’s recommended value.

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Ever-evolving and improving 

Our uniquely skilled and dedicated team is laser focused on enhancing, improving and evolving the breadth and useability of the AVM.

Through constant review our lenders benefit from continual improvement at no increased cost.

Efficient Frontier – extended lending, with no added risk 

Our talented team of data scientists have applied sophisticated statistical modelling to devise Efficient Frontier, a unique way to maximise loan-to-value (LTV) limits.

By softening the rigid boundaries between confidence levels and LTV percentages, lenders can say yes to more borrowers without risk exposure.

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AVM – tailored to you 

Our AVM is available at varying levels of sophistication to suit every user.

Our flagship product, with dedicated data science and mature build processes overseen by our expert team, is primarily used by lenders for new business decisions and revaluation of their portfolio. 

Our Hometrack Valuer product is a hybrid solution that bridges the gap between pure automated valuations and physical inspection surveyor valuations. 

Our AVM also powers all estimates on the Zoopla website. This solution is ideal for mortgage brokers, estate agents and anyone needing a quality, reliable AVM.

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