Everything Tradelynx does / Mortgage lenders
Everything a mortgage lender gets on Tradelynx
Transition-risk signals from the live EPC register and the open flood data across the book you monitor, what changed and when, and a property lookup on consented history, with every read logged.
A lender gets transition-risk signals from the live EPC register, F and G flagged against the in-force MEES floor and below-C shown as exposure to the consulted 2030 standard, the Environment Agency flood band, dated attestations with PDF on consented history, portfolio monitoring, and a published method. Every read is logged.
1. What you can do
- EPC and MEES transition risk. Current band verified against the live EPC register where matched, F and G flagged against the in-force E floor, below-C shown as exposure to the consulted 2030 standard, with the register's own potential rating as the pathway.
- Loan book monitoring. Condition, EPC bands, concentration and at-risk properties across the book you monitor on one dashboard, every monitored property in one table, and what changed in the last 30 days.
All 42 things a lender gets, by category
Workspace: part of your organisation's workspace, priced per organisation. Priced: a separately priced line, which charges only when it is priced, activated and above its data threshold.
Loan book dashboard6 things · Workspace
Condition, EPC and concentration across the properties you monitor, on one screen.
- See monitored properties, attestations in the last 30 days, severity events in the last 90 days and MEES exposure on your dashboard.WebWorkspace
- See how your book splits across EPC bands A to G, with unknowns counted.WebWorkspace
- See how concentrated the book is by postcode area, with each area's share.WebWorkspace
- See at-risk properties ranked by a fixed triage score whose formula is printed beside it, for prioritising attention only.WebWorkspace
- See valuation drift across the book: the average change from the prior valuation and how many properties are declining.WebWorkspace
- See the share of monitored properties with an EPC on file and a valid gas safety certificate and electrical report.WebWorkspace
A monitored property3 things · Workspace
Open any at-risk property for its transition risk, flood band and record.
- Open an at-risk property to see its EPC band, checked against the live register where it matches, any breach of the MEES E floor, and its exposure to the consulted band C standard with the register's potential rating.WebWorkspace
- See the property's rivers and sea flood band, indicative and area-based, with the official flood and coal-mining checkers linked.WebWorkspace
- See its valuation history, severity events, compliance items and remediation cases.WebWorkspace
Monitoring the book4 things · Workspace
Add properties to monitoring and see what changed without opening each one.
- Add a property to your monitored portfolio from its Property Intelligence report.WebWorkspace
- See everything that changed across your monitored book in the last 30 days, newest first: serious events the owner agreed to share, new valuations, and certificates that lapsed or failed.WebWorkspace
- See every monitored property in one table, the ones needing a look first, with EPC, gas and electrical certificates and the latest valuation, and download it as one CSV; history without owner consent is shown as withheld.WebWorkspace
- Raise a remediation case with its loan or mortgage reference.WebWorkspace
EPC C-readiness3 things · Workspace
Where the portfolio sits against band C, read from each property's own certificate.
- See how much of your portfolio sits below band C, and what each below-C certificate recommends with its indicative cost, saving and band after.WebWorkspace
- F and G rated homes are flagged against the in-force MEES E floor, separately from the consulted band C standard.WebWorkspace
- Check the EPC register for properties not yet looked up, or check them again, limit the list to England and Wales, and export the below-C list as a CSV.WebWorkspace
Property lookup4 things · Workspace
Search properties with activity on Tradelynx and read their consented history.
- Search properties by address or postcode and open a report of the work history the owner consented to share, on the web or in the app.Web and appWorkspace
- See how much of a property's history is recorded by the platform, identity verified or only reported by a user.Web and appWorkspace
- See a maintenance assessment, risk flags and structural or major works listed separately on a property's report.Web and appWorkspace
- Filter a property's history by year, trade, verification level and size of work, and export the report with your own reference.WebWorkspace
API and webhooks11 things · Workspace, except where marked
Connect your own systems with scoped keys and signed webhooks.
- Give a key the lender EPC and flood scope.WebWorkspace
- Read the Property Intelligence API documentation and download its OpenAPI 3 specification, with no account needed.WebFree
- Build against a sandbox key that returns synthetic data and needs no agreement.WebFree
- Create an API key that carries only the scopes you choose, copy it once, and revoke it when you no longer need it.Web and appWorkspace
- Pin a key to set IP addresses, rotate it with the old key working for seven days, and see when each key was last used.WebWorkspace
- See which API products are switched on for your workspace; each is enabled by agreement.WebWorkspace
- Call the Property Intelligence API from your own systems; a request is charged only once its price is set, switched on and above its coverage threshold.WebPriced
- A monthly minimum for API use applies only once it is priced and switched on, and the documentation states it.WebPriced
- Every API response carries the notice that the data must never be the sole basis for an adverse decision about a person.WebFree
- Read the published method behind the risk products: every input and where it comes from.WebFree
- Add an HTTPS webhook endpoint for case and compliance events, check each delivery against a signing secret, and pause or delete it from the app.Web and appWorkspace
Opening the workspace and owners4 things · Workspace, except where marked
How the workspace opens, and inviting owners to claim their record.
- Open a workspace with your FCA Firm Reference Number, checked against the FCA register so only a currently authorised firm gets in.WebFree
- Create a Passport claim invite for an address and hand the link to the owner yourself; Tradelynx never contacts them.WebWorkspace
- See whether each invite is pending, claimed or expired, and copy a pending invite's link again.WebWorkspace
- A claimed invite shows no property data: seeing the record still needs the owner to share it with you.WebWorkspace
Team and security7 things · Workspace, except where marked
Who can use the workspace, how it is paid for and how access is protected.
- Invite a colleague by email with a role, remind them once, or withdraw the invitation while it waits.Web and appWorkspace
- Remove a team member so they lose access, and change a member's role from the app.Web and appWorkspace
- Every member of the workspace signs in with a second factor from an authenticator app.WebWorkspace
- Reveal a property's key safe code only after entering a code emailed to you; every reveal is logged and the code hides itself after 30 seconds.Web and appWorkspace
- See your organisation's name, type, plan, active members and active API keys in one place.WebWorkspace
- See your trial or plan and manage the subscription on the website; the app shows the plan and when the period ends.Web and appWorkspace
- Lock the enterprise app with Face ID, Touch ID or a PIN, and delete your own account from it.AppFree
2. What it costs
The Property Intelligence API is a priced line that charges only when priced, activated and above its data threshold; the monitoring views carry no published price today.
- Property Intelligence API, per request: free during the pilot; charging is not switched on yet.
Every price on this page is resolved from the one pricing source at the moment the page is served; a line charges only when it is priced, activated and above its data threshold, and until then it says so.
3. Where the data comes from
- Register. Read from an official register (the EPC register, HM Land Registry Price Paid, the Environment Agency, Historic England, Companies House, the FCA register) and shown as the register's own, with its reference.
- Platform-verified. Recorded by the platform as it happened: a job completed and confirmed through Tradelynx, a payment it processed, an identity or credential it checked, a consent it logged.
- Derived. Computed from the records above by a stated method (a score, a forecast, a due date); labelled indicative, never a quote or a verdict.
4. What it does not do
- A risk score explains itself and is never the sole basis of a lending decision.
- Below-C exposure is shown against the consulted 2030 standard, which is not law; F and G are flagged against the in-force MEES E floor.
- Unverified work is excluded from risk calculations.
- Flood is the rivers-and-sea band only, indicative and area-based; subsidence is not claimed.
Questions lenders ask
How is EPC transition risk shown?
Each property's band is checked against the live EPC register where it matches. F and G are flagged against the in-force MEES band E floor, and below C is shown as exposure to the consulted 2030 standard, which is not law.
Is the risk score a lending decision?
No. The at-risk ranking is a fixed triage order with its formula printed beside it, for prioritising attention only, and it is never the sole basis of a lending decision.
What happens to history a homeowner has not shared?
It is shown as withheld. Unverified work is excluded from risk calculations, and every read is logged.
Other audiences: Homeowners · Tenants and residents · Tradespeople · Housing associations · Councils that manage their own homes · Letting agents · Estate agents · Facilities management · Landlords · Insurers